Your Trusted SBA Loan Expert with Over 10 Years of Experience
$300+ Million in SBA Loans Funded for Entrepreneurs Just Like You


Meet your SBA loan advisor
Matthew T Murphy
Backed by 18+ years of deep expertise in the SBA lending landscape, I am committed to facilitating the acquisition of businesses and owner-occupied commercial real estate. My extensive experience allows me to navigate complex SBA 7a loan structures effectively. We serve as a trusted partner to buyers, providing a strategic resource for deals that require specialized attention. Known for our speed, resourcefulness, and innovative problem-solving, we excel at structuring solutions that others can’t, ultimately getting your deal across the finish line.
At BizAqs, we are your trusted SBA loan expert, helping entrepreneurs secure funding for business acquisitions and commercial real estate. With over 10 years of experience and more than $300 million in SBA loans funded, we’ve built a reputation as an SBA loan expert who delivers tailored solutions—even when traditional lenders say no.
Why Entrepreneurs Trust BizAqs
- 10+ years of SBA lending experience
- Direct lender with personalized support
- $300M+ in funded SBA deals
- Transparent, flexible loan strategies
- Tailored support for real-world borrowers

How it works
Real Strategies. Real Results.
From collateral-shortfall solutions to helping key employees buy out business owners, our experience goes beyond checklists. We focus on creative deal structuring that works for unique borrower profiles—including those with limited experience or unconventional credit.
Structured key employee buyouts with 5% down
Funded deals where traditional collateral was missing
Helped business owners with prior bankruptcies qualify
Advocated for clients declined by big banks
FAQ
Frequently Asked Questions
An SBA loan is a government-backed small business loan offered through approved lenders like banks or private lenders. The U.S. Small Business Administration guarantees a portion of the loan, reducing risk for lenders and helping entrepreneurs secure favorable terms. SBA loans are ideal for buying a business, purchasing commercial property, or expanding operations.
With BizAqs, you can borrow anywhere from $1 million to $5 million through SBA 7(a) or 504 loans. The exact amount depends on your business’s financials, loan purpose, and ability to repay. We help structure your loan to maximize what you qualify for based on your unique situation.
No. SBA loans allow for transferable skills, meaning you don’t need direct industry experience if you have relevant leadership, management, or operational background. We specialize in helping first-time buyers who are qualified in other ways.
Being declined by a traditional bank doesn’t mean you won’t qualify for an SBA loan. We offer flexible SBA loan solutions that take your entire profile into account—including your business plan, background, and potential. BizAqs often funds deals traditional lenders won’t.
SBA loan interest rates typically range from 6% to 10%, with terms of 10 to 25 years depending on the loan type. Rates may be fixed or variable and are based on the Prime Rate plus a lender margin. We’ll explain the structure clearly so there are no surprises.
Most SBA loans close in 45 to 90 days, depending on how quickly documentation is completed. At BizAqs, we streamline the process with pre-underwriting support and dedicated guidance to keep your deal moving efficiently.
Most for-profit small businesses in the U.S. are eligible. This includes retail stores, service businesses, restaurants, healthcare providers, and more. Your business must meet SBA size standards and operate legally in the U.S. We help assess your eligibility quickly.
An established business owner can acquire a competitor with no down payment, provided the target company is located within approximately a two-hour drive and operates in the same industry.
A past issue doesn’t automatically disqualify you. We offer character-based SBA lending, where your background is reviewed holistically. Depending on your circumstances, we can still help you qualify through transparency and documentation.
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