GRANT · HOW TO WIN THIS
Microloans $5,000–$50,000; SBA 7(a) up to $350,000; SBA 504 up to $5.5 million
Rolling — applications accepted anytime, no deadline.
FUNDING TYPE
CDFI, Loan
CAN YOU GET THIS?
YOUR REAL ODDS
RBAC has funded 5,000+ businesses and $1.3 billion in loans, ranking #1 SBA 504 lender in NJ, suggesting real volume and throughput.
As a CDFI and active SBA lender, they serve businesses in underserved areas and work with startups, but these are still loans — approval depends on your financials and loan purpose, not a grant competition.
WHAT IT TAKES
Review loan products and identify which fits your need (microloan, 7(a), or 504) — 1–2 hours
Read their Application Guide and gather financial documents — A few days
Apply online through rbacloan.com — Under 1 hour
WORTH KNOWING
RBAC specifically highlights serving businesses in low-income and rural areas where traditional banks have declined — if that describes you, your odds may be better here than at a conventional lender.
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