Welcome to APRUB, we are excited to provide you with the capital solution you need.
APRUB Las Vegas, NV 89101
SBA Loans
Navigating SBA loan programs requires precise knowledge, correct packaging, and the right lender match. As a commercial capital advisor, we assist clients in accessing SBA 7(a), 504, and microloan programs by handling the structuring, underwriting alignment, and lender submission on their behalf. Our approach ensures each borrower is presented in the strongest possible position to meet program guidelines and lender expectations.
We work with both startups and established businesses, clarifying eligibility, required documentation, and realistic timelines. Our lender relationships include institutions who actively fund SBA transactions and understand the timing, requirements, and use cases. We focus on execution, not just pre-approvals that never fund.
Strategy for Commercial Clients
Lines of credit are best used when:
Short-term expenses must be covered ahead of incoming revenue
Businesses require buffer capital during receivables collection
Ongoing vendor purchases or payroll gaps need to be smoothed
Clients want liquidity without taking on large lump-sum debt
Flexible working capital access is preferred over fixed amortization
We guide borrowers on proper utilization so they maintain a healthy draw-repayment rhythm to preserve access and creditworthiness.
Lenders will assess:
Personal and business credit profile
Existing debt obligations
Monthly cash flow and gross revenues
Time in business and industry profile
Bank statements or tax returns to show liquidity and deposits
Optional collateral or owner guarantees depending on amount
We target funding partners that can offer unsecured or minimally secured lines depending on file strength and draw needs.
If a revolving line is not appropriate, we may instead consider:
Hybrid lines with installment draw options
Credit cards for business purchases under $50,000
Term loans for fixed-cost projects
SBA lines (CAPLines) for contract-based or seasonal needs
AR-backed or inventory-secured facilities for product businesses
Our role is to structure the line around the actual usage plan, ensuring clients never overpay for capital they do not need while keeping access readily available when they do.
Unlock the Right Capital. Accelerate Business Opportunities.
Get the funding solution tailored to your business goals. From fast approvals to strategic structuring, we simplify the path to capital—so you can focus on scaling, acquiring, or optimizing your operations.