Frequently asked questions

Does SixtyFour West Capital do SBA loans?

Yes. We place SBA 7(a) and SBA 504 loans for business acquisitions, owner-occupied real estate, equipment, and working capital. We are a broker, not the lender — we match the deal to SBA lenders that fund that type of loan.

What kinds of business loans do you arrange?

Business term loans, working capital, business lines of credit, equipment financing, SBA 7(a) and 504 loans, and growth capital for established businesses. Send us the deal and you'll have a yes or a no, with a term sheet, within 24 hours.

What real estate loans do you offer?

Fix-and-flip loans, DSCR rental loans, bridge loans, ground-up construction financing, multifamily and rental portfolio loans, and commercial real estate loans for office, retail, industrial, and mixed-use properties.

Do you finance churches?

Yes. We arrange church and faith-based organization loans for purchase, construction, renovation, and refinance, including programs with no personal guarantee from the pastor or board.

Are you a bank or a direct lender?

Neither. SixtyFour West Capital is a commercial loan brokerage. We place loans with banks, SBA lenders, and private capital sources, and we are paid when the loan closes.

What loan sizes do you work with?

Real estate loans from $50,000 to $100 million: cash-out refinances from $50,000, fix-and-flip loans from $75,000, and commercial properties up to $100 million. Business financing from $250,000 to $10 million and up; church loans from $75,000 to $35 million.

How fast will I hear back?

Send us the deal and you'll have an answer — a yes or a no, with a term sheet — within 24 hours.

Do you work with borrowers outside Georgia?

Yes. We are based in Cartersville, Georgia, and arrange financing for business owners and real estate investors almost everywhere in the United States. We work with borrowers in nearly every state. For real estate and business loans the exceptions are few — we do not lend in North Dakota, and programs are limited in California and New York. SBA loans are available in all 50 states and in U.S. territories. If you are not sure your state qualifies, call 678-656-2816 and we will tell you in one minute.

What do I need to send to get started?

For business loans: a short summary of the business, what the capital is for, and recent financials. For real estate: the property address, purchase price or current value, the plan for the property, and your experience. We tell you exactly what else is needed after the first review. See what we need to look at a deal.

Who runs SixtyFour West Capital?

David Sheets, Managing Partner. He has owned seven businesses and sold six, flipped more than a hundred homes, and funded hundreds of SBA loans before founding SixtyFour West. About David Sheets.

What are your rates?

The current indicative rate for each product is published on its loan page and updated twice a month; SBA is prime plus 0.5 to 2 points. The final rate is set by the deal and the lender. See why we don't publish a single rate for everyone.