SBA Loans
SBA loans are among the most sought-after financing options for small businesses. Backed by the U.S. Small Business Administration, these loans offer lower interest rates, longer repayment terms, and higher borrowing limits than most conventional options.
Up to $5M
Loan Amount
From Prime+2.25%
Interest Rates
Up to 25 years
Terms
30–90 days
Funding Speed
What are SBA loans?
SBA loans are business loans partially guaranteed by the U.S. Small Business Administration. The SBA doesn't lend directly — instead, it partners with approved lenders (banks, credit unions, and online lenders) and guarantees a portion of the loan, reducing the lender's risk.
This government backing means lenders can offer more favorable terms: lower interest rates, longer repayment periods, and higher loan amounts. SBA loans are available for a wide range of purposes including working capital, equipment, real estate, and business acquisition.
Key Benefits
- Government-backed with competitive rates
- Loan amounts up to $5M (SBA 7(a)) or $5.5M (SBA 504)
- Repayment terms up to 25 years
- Multiple program types for different needs
Requirements
Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.
How to apply
Quick Application
Fill out our simple inquiry form with your business details and funding needs in just 5 minutes.
Discovery Call
Speak with a funding specialist who will craft a personalized strategy based on your goals.
Get Matched
Your dedicated advisor matches you with the best lenders and products from our network.
Get Funded
Complete the process with expert guidance and receive the capital your business needs.
Frequently asked questions
SBA 7(a) is the most common program, offering up to $5M for general business purposes. SBA 504 is specifically for purchasing fixed assets like real estate or major equipment, with loans up to $5.5M and typically lower rates.
SBA loans involve more documentation and underwriting because of the government guarantee. The process typically takes 30-90 days, but the trade-off is significantly better rates and terms compared to faster alternatives.
SBA microloans (up to $50K) are available for startups and newer businesses. For larger SBA 7(a) or 504 loans, most lenders prefer at least 2 years of operating history, though some will consider businesses with 1+ year.
For loans under $25K, no collateral is required. For larger amounts, the SBA requires lenders to collateralize the loan to the extent possible, but they won't decline a loan solely for lack of collateral.
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