SBA Lending
Backed by an SBA Preferred Lender You Can Trust
When it comes to securing SBA financing, experience and credibility matter. As an SBA Preferred Lender (PLP), Quaint Oak Bank has the authority to make credit decisions in-house — streamlining the process and helping business owners move forward efficiently, even when the Small Business Administration experiences delays.
We don’t just guide you through the loan process. We partner with you to help your business prepare, apply, and succeed with confidence.
PLP lenders like Quaint Oak Bank can approve SBA loans in-house—saving valuable time compared to standard lenders.
Typical Turnaround? Non-PLP Lenders: 6–10 weeks. PLP Lenders? 30–45 days
Have More Questions About SBA Lending? Contact Our Team!
What It Means to Be an SBA Preferred Lender
The SBA’s Preferred Lender Program (PLP) is designed for financial institutions with a strong record of success and a deep understanding of SBA lending requirements.
As a PLP lender, Quaint Oak Bank can underwrite, approve, and service most SBA loans internally without waiting for the SBA to review every detail.
That means fewer bottlenecks, faster turnaround times, and a smoother experience from start to finish.
What Does it Mean for Your Business?
- Faster Decisions: Our team can make credit determinations in-house, saving you valuable time.
- Less Waiting: No need to pause for multiple layers of SBA review.
- Personalized Guidance: We structure your loan around your goals, not a one-size-fits-all template.
- Trusted Expertise: PLP status is earned through performance, compliance, and consistent success — not requested.
SBA 7(a) Loans
Looking to purchase commercial real estate or expand your business with flexibility? The SBA 7(a) Loan Program could be the right fit. As an SBA Preferred Lending Partner, we’re able to guide you through the process quickly and confidently—so you can focus on building what matters most.
SBA 504 Loans
If you’re planning a major investment in property or equipment, the SBA 504 Loan Program offers up to $5 million in funding with terms as long as 25 years. As a Preferred Lending Partner, we’re here to help you navigate the details.
What You Can Do Right Now
You don’t have to wait to get started. Preparation is the most powerful step you can take to keep your business moving forward.
Here’s how to use this time wisely:
1. Gather Your Documents
Collect three years of business and personal tax returns, year-to-date financials, and your business debt schedule.
2. Clarify Your Use of Funds
Be specific about what your financing will support—whether it’s working capital, equipment, real estate, or expansion.
3. Confirm Ownership and Collateral
Make sure all owners with 20% or more ownership have complete and accurate personal financial statements.
4. Connect with a PLP Lender Early
Our team will review your application package, identify potential gaps, and position you for fast approval when submissions resume.
Why Working with a PLP Lender Matters
Whether operations are normal or paused, working with a PLP lender helps business owners get to the finish line faster.
| Step | Standard SBA Lender | Preferred Lender (PLP) |
|---|---|---|
| Credit Decision | Waits for SBA review and authorization | Made directly by Quaint Oak Bank |
| Turnaround Time | Typically 6–10 weeks | Often 30–45 days |
| Communication | Multiple agencies involved | One local, relationship-driven point of contact |
| Experience Level | General business lending | Dedicated SBA team |
| Client Approach | Transactional | Advisory and partnership-based |
Why Small Businesses Trust Quaint Oak Bank
For nearly a century, Quaint Oak Bank has helped business owners grow, expand, and strengthen their communities. Our SBA lending team combines national capability with personal attention, guiding you through each stage of the process from pre-qualification through closing.
- Experience: Decades of SBA lending expertise
- Efficiency: Streamlined PLP decision-making
- Integrity: Straightforward communication and accurate expectations
- Relationship: We see your story, not just your numbers
When you partner with us, you gain a team that’s invested in your long-term success, not just your loan closing.
Ready to Work with an SBA Preferred Lending Partner?
You can’t control every part of the SBA process—but you can control your preparation, your responsiveness, and your choice of lender.
As an SBA Preferred Lender, Quaint Oak Bank helps you navigate with confidence, ensuring your loan is structured, reviewed, and ready to move the moment approvals resume.
Let’s get your business prepared for what’s next.
All Loans Subject to Approval