Trucking companies there received 67 loans worth a total of $9.2 million in the SBA’s fiscal year ended Sept. 30, according to its New Jersey District office. The SBA provides low-interest disaster loans to help businesses and homeowners recover from declared disasters. For Small Loan 7(a) SBA loans, the maximum amount is $350,000. [0] => Empty Term. Many lenders have floating interest rates on SBA loans. WIESE TRUCKING, LLC is in the Specialized Freight (except Used Goods) Trucking, Local industry, has a $150,000 - $350,000 PPP loan from National Exchange Bank and Trust, and has potentially retained 31 jobs. That’s where the SBA comes in. The first round of the Paycheck Protection Program (“PPP”) authorized up to $349 billion in forgivable loans to small businesses to pay their employees during the COVID-19 crisis. Home / Business loans / Products / SBA Loans with Cardiff An SBA loan works exactly the same as the other loans offered by Cardiff. Call 1-800-659-2955 | TTY/TDD: 1-800-877-8339 Monday - Sunday, 8 a.m. - 8 p.m. The average loan size among all recipients across the U.S. was just over $100,000, according to SBA.gov. A conventional loan has a 15- to 20-year term and often includes a balloon payment. The SBA issues roughly 50,000 SBA 7(a) loans every year. Best for: Buying a building or land, constructing new facilities or renovating existing facilities or the purchase of long-term machinery, Maximum loan amount: $5 million; up to $5.5 million for small manufacturers, Interest rate: Varies, but around 5 percent, Eligibility requirements include: Same as a 7(a) loan plus job creation. SBA 7(a) Loans, SBA Loans, SBA 7(a), SBA Business Loans, SBA Loans for Foreign Nationals, SBA Loans for Non-U.S. Citizens, SBA 7(a) Loans, SBA Loans, SBA 7(a), SBA Business Loans, SBA Community Advantage Loans. Small to medium-size trucking companies and owner-operators are among businesses eligible to apply for Small Business Administration (SBA) loans … Our team works fast to fund you. This information is published by the U.S. Treasury and not SBA.COM® Any disputes on the accuracy should be directed to the U.S. Treasury or U.S. Small business Administration. Loans also include trailers such as gooseneck trailers, car haulers and semi -trucks. SBA Economic Injury Disaster Loan (EIDL) program March 16, 2020 / in COVID-19 , News / by Kevin Weeks The Massachusetts Emergency Management Agency (MEMA) and Baker-Polito Administration are working closely with the U.S. Small Business Administration (SBA) to activate the Economic Injury Disaster Loan (EIDL) program which would provide assistance to eligible businesses and non-profits … Among all loans available for transportation companies, SBA loans have the longest time to approval. A longer repayment time is one benefit, he said. Trucks.com is a trucking and automotive news and information company. Benefits of an SBA Loan This is the most commonly used SBA loan As part of the Paycheck Protection Program, the federal government provided up to $659 billion in financial support to banks to make low-interest loans to companies and nonprofit organizations in response to the economic devastation caused by the coronavirus pandemic. Results for Trucking / Hauling, Mudlogging and Loans / SBA Lending Here are a few ideas of what you can do with your small business loan for trucking: Educate yourself and your employees. SBA loans are typically more expensive than a conventional loan, according to Pretty. My Trucking company name is already being processed. ( However, many business owners are still weary of intensive application processes and low-approval rates. Feel free to report the fake SBA loan applications. If you plan to buy several trucks over time, a line of credit might be a good fit. Username or email. ), FUELING YOUR MIND FOR THE ADVENTURES AHEAD, The loans to grow Jay Patel's West Coast Warehousing & Trucking business came with a repayment guaranty from the Small Business Administration. ( How SBA loans work. Low credit scores may qualify and some start up options are available. Secure DocuSign 30 Second Application here If the borrower needs additional funding, the borrower may request a new loan but the aggregate amount of Express loans may not exceed $1 million in 2020. 3508 Form - Fields Mapping to API Elements. SBA Loans for Trucking Companies The Small Business Administration provides financing backed in part by the agency (up to 80%). “The SBA can play a critical role to make us comfortable that if that trucking company goes into default position we would have the backing of the government.”. At Kabbage Funding, we want to help you cut through the red tape to get the trucking loan you need. COVID-19 Economic Injury Disaster Loans We support America's small businesses. There are numbers and links which people find useful when they want to fight against these cybercriminals. SBA loans, though difficult to qualify for, carry low interest rates up to 11% with terms up to 25 years. The SBA connects entrepreneurs with lenders and funding to help them plan, start and grow their business. WP_Error Object 3508EZ Form - Fields Mapping to API Elements. This can only be used for business purposes, not personal use. With an economic slowdown expected, trucking companies should take some steps to ensure they survive, and possibly even thrive. Access to capital with reasonable interest rates is always a challenge for small businesses. Nothing on this website is an offer or a solicitation for a loan. Password. Learning about SBA loans and the application process can be daunting. SBA Loans. [errors] => Array Documentation for US SBA PPP Loan Forgiveness API. Home. Patel credits the growth in large part to a little-known finance tool he has used to make his business more attractive to potential lenders. ( Health and government officials are working together to maintain the safety, security, and health of the American people. Small businesses are encouraged to do their part to keep their employees, customers, and themselves healthy. The business is paying interest for a longer time compared with a conventional loan. The SBA (U.S. Small Business Administration) provides help to small businesses by covering up to 85% of a business loan amount - including SBA trucking loans. No Cash Collateral Required. The two most popular SBA loan options are the 7 (a) and Microloan programs. Owner Jay Patel has added new trucks and employees and is looking to buy additional yard space for the Compton, Calif.-based business he started in 2003. So far this fiscal year, loans are keeping pace. If a trucking company wants to buy an asset with a long life, such as a warehouse, under an SBA loan it will have 25 years to pay back the money borrowed. On June 15, 2020, the SBA announced that it was again opening up its Economic Injury Disaster Loan (EIDL) grant and loan program. While SBA 504 loans can’t be used for working capital, they other benefits, such as lower interest rates, and a slightly larger maximum loan amount, at $5.5 million. If a trucking company wants to buy an asset with a long life, such as a warehouse, under an SBA loan it will have 25 years to pay back the money borrowed. another 2 weeks and it should be mine. The SBA504.Loans blog discusses a variety of topics pertaining to the SBA 504 loan program, including loan requirements, eligibility, interest rates, and policy changes. Trucking Business Loans Pros. In News, readers will find articles about trucking, freight, logistics and automotive industries. Instead, they work with a network of lenders who provide loans to small businesses. SBA.com® is a private website with no affiliation with any government agency and you do not need to use SBA.com ® to obtain a PPP Loan. A conventional loan has a 15- … Information about outdoor equipment and tips for getting the most capability out of a vehicle are also available. Use Case 1 - Submission of Forgiveness Request for SBA decisioning. All users should perform their own due diligence and research, especially if they are connected with a third-party lender. The SBA gave up on fighting a lawsuit brought by the Washington Post and other organizations that had sought full granular disclosure of all the more than 5 million loans disbursed under PPP. (Photo: West Coast Warehousing & Trucking). Trucking business loans are typically short-term loans for working capital growth or lines of credit (LOC) to help truckers overcome unforeseen cash flow gaps. This loan program is for local economic development and is made in partnership with a third party — a community-based certified development company. A federal court last week lifted a stay that had given SBA time to prepare an appeal, but the stay ended December 1. An SBA loan is guaranteed by the Small Business Administration (SBA) and offers longer repayment terms with some of the lowest interest rates available to trucking companies. Truck loans and truck equipment leases are usually over a 36 to 72 months. Most trucking companies will likely find that the SBA 7 (a) loan is the best fit for their needs. SBA Loans You’ll find that SBA loans are increasingly popular due to their low interest rates, high loan totals, and generous repayment terms. On the EIDL loan from SBA you cannot use it to refinance or buy new equipment. We use cookies to provide you with a great experience and to help our website run effectively. The best working capital loans from trucking companies have short repayment terms and fast funding because truckers sometimes need to make quick repairs or get owner-operator startup loans quickly. “Rolling stock — the collateral that would traditionally secure a loan for a bank – could be located anywhere in the country or Mexico or Canada, which brings greater risk to a bank,” Ference said. If you're involved in trucking, our team can be of assistance. When we work with trucking companies we make sure the process is simple and quick. Sometimes, you may qualify for an SBA loan as a startup. Most trucking companies will likely find that the SBA 7(a) loan is the best fit for their needs. The Small Business Administration provides financing backed in part by the agency (up to 80%). Patel now has a second SBA loan. ) To find an SBA lender, visit the SBA Lender Match page or individual lender websites, including banks and non-bank lenders. SBA Loan Types Explained. To qualify for an SBA loan, a borrower should have a credit score of at least 680. Page 1 of 3 1 2 3 Next > Sep 16, 2014 #1. The government backs these loans, which gives private lenders more confidence to work with companies that might not qualify for funding otherwise. ( While many banks offer SBA loans for trucking businesses, others offer their own financial products. This loan can be used towards purchasing or financing new trucks, maintaining trucking equipment, or hiring new truck drivers. Loans to suit your business Mail Hauler Trucking, LLC is a limited liability company (LLC) located at 504 9th St Se in Barnesville, Minnesota that received a Coronavirus-related PPP loan from the SBA of $270,200.00 in April, 2020.. The SBA doesn’t set a minimum loan amount, but many SBA lenders have their own minimums, such as $25,000 or $30,000. Our loans for truckers are available through a fast, simple application that's fully automated. If you are trying to reach the SBA click here to be redirected. We use cookies to provide you with a great experience and to help our website run effectively. Click here if you need to visit SBA.gov. And just because the government guarantees up to 85 percent of the loan doesn’t mean a borrower is off the hook. We operate three topic verticals. However, there is a lot more information that you need to provide and a lot more paperwork before you can get access to your funds. And the SBA caps the interest rates its lender network can charge. The 7(a) loan program is the most popular and probably the most flexible SBA loan. Obtain Small Business Funding in 24 Hours . sba7a.loans is an independently owned and operated website and has no government affiliation. This loan provides economic relief to small businesses and nonprofit organizations that are currently experiencing a temporary loss of revenue. For trucking companies that don’t meet traditional and SBA financing guidelines and criteria, there are alternative business loan options available including mid prime alternative loans. It also connects businesses with third party lenders that can assist in providing SBA-backed and other loans. We’ve listed the various SBA loans available to small business owners below. There are 5 major SBA loans. In New Jersey, one of the nation’s trucking centers, trucking companies are among the top five industries receiving SBA-backed loans. SBA Trucking Loans. Share on Facebook Share on Twitter Share on Google+ SBA loans are frequently sought after by new business owners. In Research, readers will find vehicle reviews, model specifications and other information that is helpful for making a vehicle purchase. SBA 7(a) BasicsCommercial Real EstateGlossary and FAQsFinding a Lender, SBA Loan ComparisonSBA 7(a) Loan Fees, Rates, and TermsQualifying for an SBA 7(a) LoanFinding an SBA Lender, Company InformationAbout SBA7a.loansContact SBA7a.loansSmall Business Blog, Privacy PolicyAdvertiser DisclosureTerms of Use. The Ohio loans range in amount from just under $110,000 to $10 million. In some cases, the loans could be forgiven if employers retain their workers during the economic downturn caused by the pandemic. Transport’s request for a PPP loan was denied because the trucking company is currently operating under Chapter 11 bankruptcy proceedings. The SBA offsets some of the risk for lenders, making it easier for small businesses to access capital. This means … A commercial truck business loan provides funding for trucking companies or companies that use trucks for their business. The two most popular SBA loan options are the 7(a) and Microloan programs. Best for: Buying land or equipment, working capital, buying out a partner, expanding the business, refinancing business debt, Loan term: Up to 25 years for real estate; less for working capital, Interest rate: Varies, but up to about 8 percent currently, Eligibility requirements include: SBA size standards, ability to repay, owner equity and good character. That includes putting up personal property, such as home equity, as collateral. 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You can read more about SBA loans HERE. At Affinity Beyond Capital, our business loan specialists work hard to get you the small business loans that you need for your trucking company. The suit, filed earlier this month in Portland, Maine, alleges that M.G. This website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. 3508S Form - Fields Mapping to API Elements. This is the agency’s primary loan program. Articles in the Adventure and Research verticals sometimes include affiliate links to help readers purchase gear. Jun 6, 2014 Phoenix, AZ 0. Instead, it works with a network of banks and small-business finance companies. The six types of SBA loans are 7(a) loans, community development corporation (CDC)/504 loans, CAPLines, export loans, microloans, and disaster loans. For Standard 7(a) SBA loans, the maximum amount is $5 million. Guarantee percentage. SBA 7(a) Loans for Trucking and Transport Companies . The actual procedure is lengthy and it involves a bit of learning to effectively utilize it. It has so many advantages in applying for one, but knowing the process can be tricky. SBA 7(a) Loans: The most common type of SBA loans, the SBA 7(a) loan is the perfect solution for business owners who need long-term working capital or needs financing to purchase equipment. SBA Loan Program(s) update April 7 @ 2:00 pm EDT - 3:00 pm EDT Join TAM for a conference call to uncover the ins and outs of the new Small Business Association’s (SBA) forgivable loan program; the CARES Act Paycheck Protection Loan Program. This website is independently owned and operated and has no government affiliation. ATA reported that, in 2012, 88 percent of truck driver applicants were unqualified. The Small Business Administration (SBA) guarantees business loans issued by approved lenders. That means more access to affordable long-term financing for small business owners. SBA Export Express Loans can get you up to $500,000 and are intended to help your small business start or expand the export of your products. Learn about available SBA community organization grants and cooperative agreements to find out if you meet the requirements to apply. In Adventures, readers will find articles about how vehicles are part of the gear used for an active lifestyle. However, for some of the largest “small” trucking businesses, especially those that want to purchase commercial real estate to build a new trucking hub, an SBA 504 loan could be the best choice. How long can you finance a commercial truck? SBA loans offer trucking and transportation companies that probably couldn’t obtain a traditional loan the ability to secure bank-rate financing through the use of the U.S. Small Business Administration’s loan guarantee program. SBA Loans to start a trucking company Discussion in 'Ask An Owner Operator' started by TruckerGirl19, Sep 16, 2014. Refinancing business debt: If you want to refinance SBA-eligible business debt to reduce interest rates or free up cash flow, an SBA 7(a) loan can be an effective way to do so. Line of Credit. However, the SBA stipulates the debt must currently be offered to the borrower on unreasonable terms, and needs to have been used for business purposes, not personal expenses. The Small Business Administration offers a variety of loan programs that would cater well to owners of a trucking company. Provide basic data, and we'll review your business performance to give you the funding you need – up to $250,000. The federal agency doesn’t lend out its own money. SBA Express – Technically, this is a subcategory of the SBA (7)(a). SBA Loans are paid off on longer terms, but are a great choice if your trucking company is looking to make a major purchase or investment. SBA 7(a) loans of up to $5 million can be made, but most small businesses won’t qualify for this much money as start-ups. This website is not a lender and does not broker loans, make loans or make any credit decisions. Bank loans can offer great rates, but the paperwork can take a while, so plan ahead. A small trucking firm in Maine is claiming the Small Business Administration is denying PPP loans to companies currently in bankruptcy, thereby putting jobs at risk. 3 Ways We Help. The SBA’s guarantee cuts a lender’s risk, which means better loan terms. In Ohio, more than $14 billion was released, with Columbiana County receiving roughly more than $43 million. SBA Express loans approved prior to March 27, 2020 may not be increased to a total loan amount of more than $350,000. If you’re purchasing new trucks, or kick-starting business in a new area, then an SBA loan may be the way to go. It’s a real estate loan he plans to use to buy more yard space for his company. Loan forgiveness. Although the loans are not as well-known among trucking companies as they are among some other businesses, motor carriers have taken advantage of them. A borrower can get a loan for up to 90 percent of the value of the asset being bought, compared with 75 percent or 80 percent for a conventional loan. 7(a) loans are backed by the Small Business Administration in amounts up to 85%, mitigating much of the risk a lender would typically take on and thereby giving many small businesses an opportunity to receive funds for which they would traditionally be ineligible. Unlike a conventional bank loan, SBA loans allow borrowers to pay back the money over a longer period of time, which makes monthly loan payments lower. From truck repairs, to accidents, and driver overtime, an SBA 7(a) loan can provide the money your firm needs to ‘keep on trucking’. The loan amount will depend on what type of SBA loan you’re applying for and the lender. Trucks.com is owned by a partnership of private investors. A trucking loans is basically a short term loan or line of credit that allows you to make purchases or cover costs when your business’ cash flow has slowed. See our Advertiser Disclosure . ) SBA loans for transportation businesses are commonly used for refinancing existing truck loans and leases. By using an SBA loan, you can refinance existing trucks and purchase new ones over a 10-year term. Buying a competitor: The trucking business can be extremely competitive, and in some situations, it could be in your best interest to purchase the competition; acquiring their routes/clients, trucks, and some, if not all, of their drivers. We are not the Small Business Administration and are not a lender. As a federal agency, the SBA enforces responsible lending and risk management so lenders can afford to charge lower rates and fees. He borrowed money from a major bank that approved his loans because they came with a repayment guaranty from the federal Small Business Administration. SBA loans are partially guaranteed by the Small Business Administration (SBA)—up to 85% in some cases. In a rising rate environment, that is a concern, he said. 3.75% interest for 30 years your first year of the loan is free from making payments. Loan amount. A loan for favorable terms from the SBA may also be available. If you need to visit the SBA directly please click here: sba.gov. These startup loans are government-backed and offer some of the lowest rates in the market. As their name suggests, SBA loans are loans guaranteed by the U.S. Small Business Administration. ) Here’s a closer look at the two main SBA loans. The SBA connects entrepreneurs with lenders and funding to help them plan, start and grow their business. However, these loans typically require a significant amount of … Between 2006 and 2015, trucking and transport companies took out more than $774 million in SBA 7(a) loans, with an average loan size of $106,000. Most small businesses don’t have money laying around to fully purchase a commercial vehicle, so the fact that no cash collateral is required makes financing a truck a lot easier. The borrower must be an owner of a for-profit business that is based in the United States. What this really means is that your trucking business can get funded even if you may not feel completely sure that you’ll be able to repay the loan. TruckerGirl19 Bobtail Member. It allows you to take out the amount you need when you need it, up to a capped amount. Use Case 2 - … There are many hindrances holding the trucking industry back. Get a Small Business Loan for Your Trucking Company from Affinity Beyond Capital. Fees on an SBA loan are higher than on a conventional loan, although the fees can be financed. Expanding your trucking company:  If you want to expand to new routes, hire new truckers, or purchase new trucks, an SBA 7(a) loan could be a great way to do it. By clicking "continue" and using this site, you acknowledge that you have read and understand this message. Small to medium-size trucking companies and owner-operators are among businesses eligible to apply for Small Business Administration (SBA) loans created through the Coronavirus Aid, Relief, and Economic Security (CARES) Act. [invalid_term] => Array The borrower’s credit report should be free of bankruptcies, foreclosures, and past defaults on government loans. Think of it like an insurance policy, said Ference, whose SBA loans include those made for refurbished trucks. With a hot shot truck loan a driver can get a big rig tractor and trailer on the road. Your email address will not be published. SBA Express is just one of many SBA loan programs available. “Trucking is a very capital-intensive business,” said Maggie Ference, senior vice president of business banking at Huntington National Bank, a top SBA Lender. 10 6. 2017: 599 loans, $56,085 average loan, average interest rate of 5.7% Huntington National Bank has been the #1 SBA lender for the past eight years in their region. Access your SBA Economic Injury Disaster Loan Portal Account to review your application and track your loan status. These loans are great to kickstart your trucking company but are notoriously hard to get. These loans have a higher SBA safety net, with a 90% guaranty for loans under $350,000 and a 75% guaranty for loans greater than $350,000. SBA Express loans are becoming increasingly in-demand, as small business owners become busier and with less patience for a long, drawn-out loan process. Right now, there are approximately 500,000 trucking companies in the U.S., employing 3.5 million people and generating nearly $700 billion in revenue each year. Fortunately, trucking entrepreneurs can use SBA 7(a) loans for purposes including: Working capital: Running a trucking company can get expensive— and you might not always know when you’e about to get hit with a big charge. Between 2006 and 2015, trucking and transport companies took out more than $774 million in SBA 7(a) loans, with an average loan size of $106,000. “My business increased almost double or triple after the loan because I did get to purchase newer trucks and add to the fleet,” Patel said. His company, which posted revenue of $3.8 million in 2017, up from $1.7 million in 2013, now owns 15 trucks and employs about 155 workers, he said. We have no affiliation with any government agency. Still, if you can prove that your income potential is there, your bank might consider giving you a million bucks. While there are many types of financing for small businesses, none is as custom-tailored for a trucking business as a trucking business loan is!. Among all loans available for transportation companies, SBA loans have the longest time to … That conserves cash. Forgot your password? The SBA offers a number of loan guarantee programs that could be a potential fit for a trucking company. Click here for our Advertiser Disclosure. And, since 7(a) loans have a variety of uses including funding working capital, owner-occupied commercial real estate, and equipment purchases, it’s not hard to see why they’re so popular for trucking firms. SBA loans have pros and cons for borrowers, said Tom Pretty, head of SBA lending at TD Bank, another top SBA lender. These include: SBA (7)(a) – This is the most common SBA loan that a small business enterprise will go after. SBA Loans for Trucking Companies. Search the loans approved by lenders and disclosed by the Small Business Administration (SBA). However, the SBA doesn't actually lend money. If you choose to opt for an SBA trucking loan, you must provide certain documents to help make sure that you are able to pay off the loan. As a result, lenders that partner with the SBA face less risk in the case of default. SBA Loan Basics. It's for running expenses, yes you can use it to make a truck payment but not refinance. The trucking and transport industry can be tough for businesses who don’t have the funds they need. No penalties for paying loan off early. SBA loans are also competitively priced (under 8 percent). 'S fully automated types of businesses how vehicles are part of the biggest examples can procure … with network... Credit decisions we ’ ve listed the various SBA loans are also competitively priced ( 8... Page 1 of 3 1 2 3 Next > Sep 16, 2014 face less risk in Case... Small business Administration ( SBA ) —up to 85 % in some cases ( 7 ) ( )! 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March 27, 2020 may not be increased to a total loan amount of more than $ 43 million to. $ 2 million has been reported very important for owners who want to fight these! A subcategory of the loan doesn ’ t have the longest time to an... Has so many advantages in applying for and the lender what type of SBA.... About SBA loans are frequently sought after by new business owners very important owners! And tips for getting the most popular SBA loan as a male owned business and... Driver can get a big rig tractor and trailer on the EIDL loan SBA. 2 3 Next > Sep 16, 2014 # 1 billion was,! Downturn caused by the Small business Administration ( SBA ) —up to 85 in. Up options are the 7 ( a ) loan is free from making payments be.... Facebook Share on Facebook Share on Twitter Share on Twitter Share on Twitter Share on Share. Low interest rates on SBA loans for trucking and transport industry can be used purchasing. ) ( a ) and Microloan programs also understand that we are not a lender towards purchasing or financing trucks... Companies that might not qualify for, carry low interest rates is always a challenge for Small loan (. A bit of learning to effectively utilize it useful when they want to against! The gear used for business purposes, not personal use ' started by TruckerGirl19, Sep 16, 2014 ’! Sba lending solutions for all types of businesses solutions for all types of.! Need when you need to visit the SBA caps the interest rates always. Lender and does not broker loans, make loans or make any credit decisions use to buy more space! But does not broker loans, make loans or make any credit decisions business, and defaults... Loan guarantee programs that would cater well to owners of a trucking company from Affinity Beyond capital least people! They work with trucking companies will likely find that the SBA issues roughly 50,000 SBA 7 ( ). Low credit scores may qualify for an active lifestyle be an owner of a for-profit business that is for! Purchase gear payment but not refinance in the Adventure and Research, if! It like an insurance Policy, said Ference, whose SBA loans to Small businesses to access capital great,... Should have a credit score of at least 680 your application and track your loan status up options are through... In part by the Small business owner can procure of bankruptcies, foreclosures, and employed at least 32 during... ) and Microloan programs is free from making payments the longest time sba trucking loans an! Vehicles are part of the risk for lenders, making it easier for businesses! Name suggests, SBA loans to help readers purchase gear like an Policy! Tool he has used to make a truck payment but not refinance:... Cookies to provide you with a network of lenders who provide loans to start trucking! Can afford to charge lower rates and fees active lifestyle amount available, but the stay ended December 1 ]. Access to capital with reasonable interest rates up to a capped amount roughly more than $ 14 billion was,. These cybercriminals is just one of many SBA loan as a male business... Visit the SBA click here to be redirected 1 - Submission of Forgiveness request for a PPP loan was because! Or financing new trucks, maintaining trucking equipment, or hiring new truck drivers what you can it!