Despite the bad reputation that an SBA Loan takes forever to get approval, SUCCESS CAPITAL’s SBA 504 loan approvals do not take any longer to be approved than conventional commercial real estate loans, many times we are approved prior to the Bank’s loan approval. However, timing depends largely on the borrower, those with complete information and documents will see their loan application package underwritten relatively quickly. We recommend that you bring us into the process early to discuss project timing and any potential issues. We prefer escrows to be 60 days or more, mainly due to the length of time in which it takes to receive appraisal and environmental reports.