Home logo
  • (212) 226-2112
  • Home
  • Our Commitment
  • Our Products
    • Residential Products
    • Commercial Mortgage
  • Residential Mortgage
    • What We Do
    • Residential Products
  • Commercial Mortgage
    • Hotel Lending Program
    • Construction Lending Program
    • Commercial Lending
    • Private Lending Program
    • Small Business Loan
  • Calculators
    • How Much Can I Afford Calculator
    • What Will My Monthly Payment Be
    • Renting Versus Buying Calculator
    • Refinance Analysis Calculator
    • Consolidation Calculator
    • Paperwork Needed
    • The Loan Process
    • Glossary of Mortgage Terms
    • Our Products
  • Contact
Background Image

Get a Quote

image

Small Business Loan

Want to start an SBA program?

You’ve come to the right place. SBA consulting services help you invest your business, meet your financing needs, strengthen your business model, and reach your potential.

We will identify your needs and collaborate with you to find the best ways for you to start and grow your business. We will find the optimal lending program for you and help you make the most of that program.

We offer financial and technical assistance to help your company connect to new customers and new markets.

 

Mission

Our mission is to support small businesses, with a focus on Minority and Women-owned Business Enterprises (MWBEs).

We do this by providing consulting services and financing resources to help entrepreneurs start and grow their businesses, and to eliminate barriers to their participation in state contracts.

You’ve come to the right place. SBA consulting services help you invest your business, meet your financing needs, strengthen your business model, and reach your potential.

We will identify your needs and collaborate with you to find the best ways for you to start and grow your business. We will find the optimal lending program for you and help you make the most of that program.

We offer financial and technical assistance to help your company connect to new customers and new markets.

 

 

Social Impact

By empowering women entrepreneurs, we contribute to the economic, cultural, and social vitality of our communities.

We increase access to information and opportunities for women-owned businesses throughout the state. 

We are proud to support women small business owners nationwide.

 

 

SBA Consulting Service

We provide Strategic SBA Consulting Service and assist you in the following areas:

* Starting a business
        Conducting target market research and competitive analysis
        Assisting with SBA loan application and packaging
        Developing a business plan and strategy
        Identifying loan and grant opportunities
        Assisting with pre-loan and post-loan
        Designing company websites
        Explaining fees and regulations
        Obtaining business licenses and permits
        Explaining import/export rules 
Solving technical issues

* Acquiring a business

* Expanding a business

 

 

Reasons for Borrowing

Boost your cash flow

Renovate your work space

Buy new equipment

Invest in your business

Cover a one-off cost

Hire additional staff

 

 

Eligibility Requirements

* NYS Certified MWBE, located in or conduct business in NYS

* Business size: Your business should have at least $200,000 in annual revenue; we focus on female owners with fewer than 300 employees and a net worth below $3.87 million

* Time in business: 1-plus years of business and management experience plus other requirements for startup businesses; you need to show that you can manage and operate your business successfully

* Collateral & guarantees: While SBA loans do not necessarily need to be fully collateralized, it is easier to obtain financing with more collateral (personal and business); 51% or more should be female-owned

* Credit score: 680-plus for all primary business owners

* Sufficient equity: Typically a maximum debt-to-equity ratio of 3x for new businesses or 4x for established businesses is acceptable; in other words, you need to have $1 in cash invested in your company for every $3 to $4 in loan funds

* Ability to repay: Your cash flow must be sufficient to cover all of your loans and other obligations with a cushion; a DSCR on your business of 1.25x or better is generally considered sufficient to demonstrate your ability to repay your debt obligations

 

Application materials

  • Business plan
  • Cash on hand and use of funds
  • Credit history
  • Financial projections
  • Collateral
  • Industry experience

 

Contact

Address: One World Trade Center, 85th floor, New York, NY 10007
TEL: 212-619-0576 
Email: pfg@portico-financial.com

Home Portico Mortgage Inc. Equal Housing Opportunity    Portico Mortgage Inc. ™ 2025     Privacy Policy  |  Contact Us

139 centre street, suite 806 New York, NY  10013

Portico Mortgage Inc. is not affiliated with the named representative, broker-dealer, state-or SEC-registered investment advisory firm, Osaic Wealth, Inc.. NMLS#285935
Registered Mortgage Broker - NYS Department of Financial-Loans Arranged With Third Party Lenders. – NJ Department of Banking & Insurance – Loans Arranged With third Party Lenders.

Loans are arranged through 3rd party lenders.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by MWSS to provide information on a topic that may be of interest. MWSS is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

IMPORTANT DISCLOSURES: Law office of Chris Chin & Associates is not affiliated with the named representative, broker-dealer, state-or SEC-registered investment advisory firm, Osaic Wealth, Inc.. Portico Mortgage Inc. is not affiliated with the named representative, broker-dealer, state-or SEC-registered investment advisory firm, Osaic Wealth, Inc.. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Additional advisory services offered through Southland Equity Partners LLC.  Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Neither, Osaic Wealth, Inc., nor its registered representatives, or employees, provide tax or legal advice.       

Portico Financial Group (including insurance, real estate, capital) is not affiliated with the name representative, broker-dealer, state-or SEC-registered investment advisory firm, Osaic Wealth, Inc.. 

Portico Mortgage Inc. is not affiliated with the name representative, broker-dealer, state-or SEC-registered investment advisory firm, Osaic Wealth, Inc.. PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites. This communication is strictly intended for individuals residing in the states of CA, NJ, NY, PA, TX. No offers may be made or accepted from any resident outside the specific state(s) referenced. 

Gen Remote Image            

Mortgage Website Marketing

Top