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Librium SBA Program

Introducing EzBizFunder’s SBA Librium 10-Year Term Loan with Monthly Payments, ranging from $50,000 to $500,000, amortized over 10 years. This loan is perfect for heavy debt, refinancing, equipment purchases, or working capital. It can also be paired with our innovative line of credit, providing a comprehensive financial solution without straining your business’s cash flow. We cater to a variety of industries, including:

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Logistics / Transportation / Trucking - Auto Mechanics - Landscapers - Plumbers - Electricians - Construction - Engineering Firms - HVAC - Accounting Firms - Medical Practices - Professional Services

EzBizFunders offers a competitive line of credit, providing you with cash on demand and the flexibility to choose your terms. Our expertise spans various sectors that many other providers overlook and/or consider as restricted industries. Our services extend to a wide range of industries, including:


Logistics / Transportation / Trucking – Distribution Companies – Real Estate Agencies – Engineering Firms – Auto Mechanics – Auto Dealerships – Fuel & Oil Services - Professional Services

Key Features

  • Loan Amounts: $50,000 to $500,000

  • Interest Rate: Prime + 2.75%

  • Loan Term: 10 years

  • Purpose: Debt refinance and working capital

  • Funding Time: Typically 15 business days from complete application to funding

  • Loan Size Determinant: 35% of average annual revenue; annual minimum of $50,000 for businesses in operation for 1+ years 

  • Will buy out your higher interest Merchant Cash Advances (MCA) [daily and/or weekly payments] & other loans.

Underwriting Guidelines

  • FICO Score: 660

  • Specific Small Business Scoring Service (SBSS) Score Requirements are as follows: Up to $150,000 > 155, up to $250,000 > 165, up to $500,000 > 175.

  • Years in Business: 
    o  2 years for 660+ FICO 
    o  2 months for 720+ FICO 

  • Loan Size Determinant: 35% of average annual revenue; annual minimum of $50,000 for businesses in operation for 1+ years 

  • ï‚· Location & Operations: U.S. based owner & company operations 

  • SBA Eligibility: Size and industry requirements apply

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