For many entrepreneurs, an SBA loan feels like the obvious choice when funding a business purchase or expansion. After all, SBA loans for small business are backed by the government and often offer lower interest rates.
But here’s the catch — SBA loans are slow. Really slow.
In a competitive market, especially in Q4, timing is everything. Whether you’re closing on a business acquisition, funding a new project, or trying to hit year-end goals, waiting months for an SBA loan approval can cost you the deal.
At Grammont Enterprises, we specialize in private lending solutions that move at the speed of opportunity.
The Problem with SBA Loan Timelines
There’s no doubt the U.S. Small Business Administration (SBA) helps thousands of businesses access capital each year. But the process is built for caution — not speed.
To get an SBA loan, you’ll go through:
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A lengthy pre-qualification and documentation process
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Personal and business financial reviews
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Collateral and guarantee requirements
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Multiple rounds of underwriting
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Final approval by both your lender and the SBA
Even with an experienced lender, this process often takes 8–12 weeks — and that’s if nothing gets delayed.
So if you find the perfect business to buy in October, you might not see funds until January. Meanwhile, your competitor — or a private investor — might close the deal before you even get your loan number.
Private Lending: The Faster, Smarter Alternative
Private lenders like Grammont Enterprises are built for entrepreneurs who can’t afford to wait. We evaluate opportunities based on project strength, potential, and execution, not just paperwork and credit scores.
Because we control our own underwriting and don’t rely on federal approval, we can move from application to funding in as little as 15 days.
That means while others are still gathering tax returns for their SBA submission, your deal could already be closed, funded, and generating revenue.
Why Speed Matters in Q4
The fourth quarter isn’t just the end of the calendar year — it’s a window of opportunity.
Business owners and investors use Q4 to:
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Finalize acquisitions for tax advantages
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Lock in funding before market shifts
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Expand or diversify before the new fiscal year
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Offset profits with year-end investments
But you can’t take advantage of any of these if your loan is still sitting in an underwriting queue.
That’s why private lending has become the go-to funding path for serious entrepreneurs who need capital now — not next quarter.
Grammont’s Advantage: Fast Funding Without the Red Tape
At Grammont Enterprises, we’ve designed our lending programs for speed, flexibility, and scale.
Our clients include small business owners, investors, and entrepreneurs who want to move quickly — especially during the final months of the year.
Here’s how we do it:
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Fast Approvals — Most decisions in 72 hours or less.
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Funding in 10–15 Days — No waiting for SBA sign-offs.
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Flexible Qualification — We focus on project viability, not just credit.
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No Personal Guarantee Required — Keep your personal assets protected.
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Funding Options Up to $100M+ — From small businesses to major acquisitions.
Whether you need working capital, acquisition financing, or expansion funding, Grammont moves faster than banks — without compromising professionalism or compliance.
Private Lending in Action
Let’s say you find a business listed for sale in October. You’ve reviewed the books, negotiated terms, and know it’s a great fit.
An SBA loan could fund the deal by mid-January — if everything goes right.
With Grammont’s private lending, you could close before Thanksgiving.
That’s the difference between missing an opportunity and owning it.
The Bottom Line
In business, speed isn’t just an advantage — it’s often the deciding factor between growth and frustration.
If you’re exploring SBA loans for small business, remember that lower rates come with longer waits. Private lending from Grammont Enterprises gives you a faster, more flexible way to move your business forward — especially in Q4, when timing can make all the difference.
Don’t let opportunity pass you by while your paperwork sits in an SBA queue.