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Honestly, dealing with SBA funding is such a marathon compared to a sprint. I went through the 7(a) process last year for my expansion, and while the rates are definitely better than anything else you’ll find, the paperwork is a total beast. You really have to stay on top of your lender because if one document is missing, the whole thing just stalls for weeks. My biggest tip would be to get a solid CPA to help pull your financials together early, it saved my sanity when the underwriters started digging into the weeds. It’s worth the headache for the long-term terms, but definitely don't expect a quick turnaround.
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