Market Capital Lending brings 40+ years of combined lending experience and over $375 million funded to business owners across Gwinnett County. We're a veteran-owned, SBA-approved lender based in Loganville, GA, working with entrepreneurs around Lilburn's Old Town corridor.
Quick answer: An SBA loan is a government-guaranteed business loan — a 7(a) or 504 — offering lower down payments and longer terms than conventional financing. Market Capital Lending arranges SBA loans for Lilburn businesses on deals of $300,000+, drawing on 40–50 lenders. Self-employed borrowers and bank turndowns are welcome.
Why Lilburn business owners use SBA loans
Lilburn is one of Gwinnett County's most established and diverse communities, with a deep base of immigrant and first-generation small businesses around Old Town Lilburn and Highway 29 — restaurants, grocers, daycares, and mechanic shops. Many owners have solid histories but don't fit a conventional bank's box: a thin down payment, tax returns understating cash flow, or a purchase where much of the value is intangible goodwill. The SBA can finance goodwill on owner-occupied special-use properties, an advantage for a Lilburn restaurant, daycare, or auto shop purchase. We also offer a complimentary cash-flow analysis for business purchases. (Rates, approval, and terms vary by credit, collateral, loan amount, and underwriting.)
SBA 7(a) vs. 504 for your Lilburn deal
Choosing between an SBA 7(a) loan and an SBA 504 loan depends on what you're financing. Our SBA 7(a) vs. 504 guide breaks down eligible uses and rates. Planning cash for closing? See our SBA loan down payment guide. First time applying? Our how to apply for an SBA loan guide covers what lenders expect. As a provider of the SBA loan program, we match your Lilburn deal to the right structure.
Why choose Market Capital Lending for Lilburn SBA loans
We're a veteran-owned, SBA-approved lender with 40+ years of combined experience and 40–50 lenders, so we're not limited to one bank's appetite. We've funded $375M+ across 46 states, mostly in Georgia, Alabama, and Florida, and we understand Lilburn's immigrant and first-generation owners because we work with them weekly. Self-employed, already declined, or just want a broker who shops your deal? We can help on deals of $300,000+. Start your application or call us.
Serving Lilburn and nearby communities
Alongside Lilburn, we arrange SBA financing in Snellville, Duluth, and Lawrenceville, throughout Gwinnett County, and across Georgia.
Frequently asked questions
What credit score do I need for an SBA loan in Lilburn?
Generally around 680+, though exceptions apply based on collateral and the overall deal.
Can a self-employed business owner in Lilburn qualify for an SBA loan?
Yes. Self-employed borrowers are welcome; we present that income so lenders can underwrite it.
I was already turned down by a bank — can you still help?
Often, yes. Working with 40–50 lenders means one bank's decline doesn't rule out an SBA loan.
Does SBA financing cover buying an existing Lilburn business, including goodwill?
Yes. For owner-occupied special-use properties like restaurants and daycares, SBA financing can cover goodwill plus real estate.
What's the minimum loan size you work with in Lilburn?
We typically work on SBA transactions of $300,000 and up.