Up to $5M
Loan Amount
From Prime+2.25%
Interest Rates
30–90 days
Funding Speed
Up to 25 years
Repayment Terms
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 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 (7(a)) or $5.5M (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. Tell us about your business, goals, and financial profile in just 5 minutes.
Discovery Call
Speak with a funding specialist who will learn about your needs and craft a personalized funding strategy.
Meet Your Advisor
Work one-on-one with your dedicated advisor through onboarding, credit optimization, and the funding process.
Get Funded
Execute your funding strategy with expert guidance and receive the capital your business needs to grow.
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.
SBA microloans (up to $50K) are available for startups. For larger 7(a) or 504 loans, most lenders prefer at least 2 years of operating history, though some will consider newer businesses.
For loans under $25K, no collateral is required. For larger amounts, the SBA requires lenders to collateralize the loan where possible, but won't decline solely for lack of collateral.
Explore similar funding options
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