Current Interest Rates

January 2023 504 Effective Fixed Rates:

6.28%   20 -Yr Fixed
6.31%    25 -Yr Fixed

SBA 504 Rates are published monthly

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About Us


Capital Solutions was founded in 1997 by Jan Roberts and Nicole Reed.  Prior to forming Capital Solutions, Jan and Nicole were both employed as commercial lenders, specializing in small business loans.  During their time as bank lenders, Jan and Nicole recognized the need for specialized training and resources in navigating the SBA loan process.

With the intent of making access to SBA easier and available to more borrowers, Capital Solutions was formed.  Capital Solutions quickly became the comprehensive SBA loan resource for borrowers, community banks and financial institutions serving small businesses throughout Alabama and in other southeastern states.

As an SBA consulting company for lenders, Capital Solutions functions as an outsource SBA lending department. Professional SBA guidance provided through Capital Solutions ensures a pleasant 504 and 7a experience for national banks, regional banks, community banks and their small business customers.

Capital Solutions is also actively involved with industry organizations, and other organizations including the Birmingham Business Resource Center which is aimed at improving economic vitality in Alabama communities.