Government Shutdown Affecting Your SBA Loan?

How a Government Shutdown Could Affect SBA Loans – And What That Means for You

When the government shuts down, most people immediately think about closed national parks, federal workers being furloughed, and delays in government services. But if you’re a small business owner or someone hoping to open a franchise, there’s another impact that hits much closer to home: SBA loans can come to a halt.

Here’s why. The Small Business Administration (SBA) is a government agency, and like many other departments, it’s directly affected by a shutdown. That means SBA staff aren’t around to process loan applications, approve guarantees, or move paperwork forward. If you’re in the middle of applying for an SBA loan, your funding could get stuck in limbo until the government reopens.

That’s a frustrating reality if you’re trying to buy a business, expand, or simply move forward with your plans. Waiting weeks—or even months—can throw off your timelines and cause you to miss opportunities.

But here’s the good news: unsecured bank loans are not government-backed. That means they’re not impacted by government shutdowns. Unsecured lenders continue lending, approvals keep moving, and your plans don’t have to stall.

At Flourish Commercial Capital, we specialize in unsecured business loans. These loans don’t require collateral, and unlike SBA loans, they aren’t tied to federal processes that grind to a halt during a shutdown. If you’ve been counting on an SBA loan but suddenly find yourself stuck, unsecured financing could be a way to keep your business goals on track without waiting for Congress to come to an agreement.

A government shutdown may create uncertainty—but it doesn’t have to stop your momentum. If your SBA loan is stalled, let’s talk about other financing options. At Flourish Commercial Capital, we can help you explore unsecured loan programs that fit your needs so you can move forward confidently, no matter what’s happening in Washington. Contact us at info@flourishcommercialcapital.com for more information.