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Upward SBA Fund, L.P

Delivering Predictable Income and Economic
Impact Through Federally Enhanced Small Business Lending

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Fund Overview

Invest With Confidence in SBA Back Lending

The Upward SBA Fund is a private credit investment vehicle dedicated to financing qualified small businesses through U.S. Small Business Administration (SBA)-guaranteed loan programs.

The fund primarily originates purchases, and services SBA 7(a) and SBA 504 loans, generating stable income while supporting entrepreneurship and local economies. The Upward SBA Fund offers investors an income-generating strategy with lower volatility, backed by partial U.S. government guarantees.

Investment Philosophy

Reliable Yield - Reduce Volatility

We believe that small businesses are the engine of long-term economic growth. By financing these businesses with government-enhanced structures, the fund bridges capital gaps while delivering attractive, risk-adjusted returns. Our disciplined underwriting focuses on fundamentals, sector durability, and sponsor integrity.

We prioritize:

  • Cash-flow–positive businesses with multi-year operating histories
  • Recession-resilient industries such as healthcare, logistics, professional services, and franchising
  • Loan structures that optimize yield while preserving capital

Funds Structure and Returns

Help Grow America’s Small Businesses

The Upward SBA Fund is a private credit vehicle that provides investors with exposure to a diversified portfolio of SBA-guaranteed small business loans. The fund targets businesses across high-growth sectors including healthcare, franchising, professional services, and logistics providing stable yield and meaningful impact. Quarterly income distribution of 6%–8% preferred return. This structure enables our investors to enjoy: Capital preservation through federally enhanced credit structures, Low volatility and diversification outside of public markets.

Fund Snapshots

  • Fund Type: Closed-end private credit fund
  • Preferred Return Target: 6%–8% net to LPs
  • Term: 7 years + 1 optional extension
  • Minimum Investment: $100,000
  • Tax Treatment: Pass-through (1099 or K-1 depending on structure)
  • Up to 75% Government-Guaranteed Principal on SBA 7(a) Loans
  • Diversified across industry, loan size, and borrower profile
  • Low correlation to equity markets or interest rate shocks
  • SBA Loan Allocation 85%–90%
  • Bridge & Transitional Loans Up to 10%
  • Equity Exposure (if any) ≤ 5% (strategic only)
  • Typical Loan Size $250K – $5M
  • Government Guarantee (SBA 7a) Up to 75%
  • Geographic Focus Nationwide
  • Leverage Modest (up to 1.0x)

Investment Objectives, Focus & Strategy

  • Generate Stable Yield: Through cash-flowing loans with SBA backing
  • Preserve Capital: Via conservative loan-to-value ratios and government guarantees
  • Social Impact: Drive economic growth through mission-aligned financing
  • Liquidity Planning: Create optional liquidity via seasoned loan sales or securitizations

Investment Diversification & Approach

  • Industry Diversification: No more than 20% per industry sector
  • Geographic Diversification: Exposure across at least 20 states
  • Loan Type Diversification: Mix of 7(a), 504, and short-term bridge loans
  • Counterparty Risk Management: Partner only with licensed SBA lenders, CDCs, and loan servicers.

What We Finance

  • Business Acquisitions
  • Franchise Expansions
  • Owner-Occupied Real Estate
  • Equipment & Working Capital

Why Investors Choose Us

  • Government-Enhanced Credit Strategy
  • Direct Lending + Loan Acquisition Hybrid
  • Strong Downside Protection

Where We Deploy Capital

SBA Guarantee - Built in Risk Mitigation

The Upward SBA Fund invests in a diversified portfolio of SBA 7(a) and 504 loans, targeting small business borrowers across the U.S. Each loan is backed by up to 75% U.S. government guarantee, offering investors capital preservation, consistent income, and access to low-volatility credit exposure.
We deploy capital primarily through:

  • Direct origination of SBA 7(a) loans (working capital, business acquisition, franchise growth)
  • Participation in SBA 504 loans (real estate, equipment, ground-up construction)
  • Strategic purchases of seasoned performing SBA loan pools
  • Bridge-to-SBA loans for acquisition or refinancing ahead of agency approval

Target borrowers include Franchise operators, Professional service firms, Healthcare practices, Manufacturing and logistics companies, Minority- and veteran-owned businesses

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Performance Objectives

A Safer Way to Invest in Small Business

  • Preserve capital through government-backed structures
  • Generate predictable quarterly income
  • Achieve long-term IRR of 9%–11% with low default risk
  • Support the U.S. economy through sustainable lending to Main Street

Fund Strategy

Government-backed small business loan fund targeting SBA 7(a), 504, and select transitional loans to deliver stable income, low volatility, and impactful growth capital to Main Street businesses.

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Private Credit Strategy Built on SBA Guaranteed Loans for Stability and Income

Welcome to Upward Capital Investment Group

Thank you for your interest in investing with Upward Capital Investment Group. This intake form is designed to help us better understand your investment profile, preferences, and eligibility across our family of funds. Whether you're seeking stable income, equity growth, or diversified exposure to alternative assets, this information ensures we provide the most suitable opportunities aligned with your goals. All responses are confidential and used solely for compliance, suitability, and onboarding purposes.

Legal Disclaimer: This is not an offer to sell securities. Offers are made only through the Private Placement Memorandum (PPM). For accredited investors only. Past performance is not indicative of future results.
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