Retail Chain Expands to 3 New Locations with a $750K SBA 7(a) Loan

The Challenge

Danielle T., founder of a women's boutique brand with two locations in Atlanta, identified three prime retail spaces for expansion. Her existing bank offered a conventional loan at 18.5% APR with a 3-year term — payments that would have consumed nearly all projected revenue from the new stores. She had already spent 6 weeks assembling paperwork for one SBA lender that ultimately declined.

The Solution

Through ORP Group, Danielle's application was routed to three SBA-approved lenders simultaneously. Within 5 business days she received two competing offers. The winner: $750,000 SBA 7(a) at 10.5% APR with a 10-year term — nearly half the rate of her bank's offer. Her advisor helped her prepare the SBA-specific documentation, including the business plan narrative and financial projections.

The Results

• Secured $750,000 SBA 7(a) at 10.5% APR — vs. 18.5% from her bank
• 10-year term reduced monthly payments by 58% compared to the bank offer
• Three new locations opened within 4 months of funding
• Projected to create 24 new jobs across the three locations
• Total interest savings of approximately $285,000 over the loan term