SBA Loans

Government-Backed Business Financing

Government-backed financing with the lowest rates and longest terms available to small businesses.

Up to $5M
Loan Amount
From Prime+2.25%
Interest Rate
Up to 25 yrs
Repayment Term
30–90 Days
Funding Timeline
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Product Overview

What is an SBA Loan?

SBA loans are partially guaranteed by the U.S. Small Business Administration, allowing approved lenders to offer lower rates, longer terms, and higher amounts than conventional options. Programs include SBA 7(a) for general business, SBA 504 for real estate and equipment, and SBA Microloans for smaller needs.

Because the government backs a portion of the loan, lenders take on less risk — and pass the savings on to you in the form of better terms. For businesses that qualify, SBA loans are often the most affordable form of business financing available.

Key Benefits

  • ✓Government-backed with highly competitive rates
  • ✓Loan amounts up to $5M for qualified borrowers
  • ✓Repayment terms up to 25 years
  • ✓Multiple program types to fit different needs
Who Qualifies

Requirements

Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.

📅
2+ years in business
💰
Annual revenue $200K+
📊
Credit score 680+
📁
Strong financials and tax returns
🏢
U.S.-based for-profit business
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Detailed business plan for larger amounts
How It Works

How to Apply

1

Quick Application

Complete our brief intake form — takes under 5 minutes. No hard credit pull required to start.

2

Discovery Call

A dedicated advisor reviews your goals, financials, and the best SBA program for your situation.

3

Get Matched

We match you with the right SBA lender from our network and manage the submission process.

4

Get Funded

Once approved, funds are deployed and you're set up with repayment terms that work for your business.

Common Questions

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.