Who We Are

Consistency, strong foundations, and unparalleled value – when we call ourselves the “gold standard” of SBA lender service providers, we understand the weight that this label holds. We make this comparison knowing that indomitable trust is our most important asset – with over a century and a half of direct SBA experience under our roof, Capital Growth Solutions believes that there is no equal when it comes to our knowledge of the field and our time-tested best practices. By teaming with CGS, lenders have access to an experienced and sophisticated SBA loan servicing operation that allows them to reap the benefits of holding and selling SBA loans, without any additional infrastructure.  We encourage you to find out for yourself exactly how valuable our expertise can be to your lending organization.

Questions? We can help.

Get In Touch With CAPGS

Our Services

There are a number of approaches when it comes to participating in government-backed small business lending.  Here are some options that Capital Growth Solutions specializes in.

  1. 7(a) Loans

    7(a) loans are a flexible option for start-ups and small businesses that can be used for a variety of different purposes.  Some of these purposes include:

    • Working Capital
    • Equipment
    • Real Estate
    • Business Acquisitions
    • Refinancing

    Interest rates for 7(a) loans come in both variable and fixed rate options, and the maximum maturity terms for the loan varies based on the loan type: 25 years for real estate, 10 years for equipment, and seven years for working capital.

  2. 504 Loans

    CDC/504 loans are business loans specifically to fund physical assets – real estate, equipment, and construction. These loans are offered at fixed rate, below market pricing.

  3. USDA Rural Development Loans

    For a better idea of how USDA Rural Development Loans benefit both the lender and borrower, see here.

Our Vision

Capital Growth Solutions, as a company, was designed to fill a void in the SBA commercial lending market between community lenders who wish to participate in U.S. Small Business Administration (SBA) financing programs and those which had the expertise to do so.

Having developed three nationwide SBA loan platforms in the past, the company’s founder, Gary Griffin, understood that the initial cost of establishing a qualified SBA Department could cost Lenders $250,000 to $500,000 up front.

While these costs could quickly be recouped through an active lending program, Gary sought a way to allow Lenders to participate in a “pay-as-you-go” operation. As a result, thanks in large part to our lending community customers, CGS has evolved into the perfect “outsourced” SBA loan department.


Team Members at CGS.

Gary Griffin, Founder, understood that the initial cost of establishing a qualified SBA Department could cost Lenders $250,000 to $500,000 up front, and that there was a valuable service in providing a “pay-as-you-go” department.


combined years of direct SBA experience.