SBA Loans
Government-backed loans with favorable terms for established small businesses. Lower rates, longer terms, and expert SBA guidance.
SBA Loan Advantages
Government Backed
SBA guarantee provides security for lenders
Better Terms
Lower rates and longer repayment periods
Up to $5M
Substantial funding for business growth
SBA Loan Programs
SBA 7(a) Loans
Most common SBA loan for working capital, equipment, and real estate
Amount: Up to $5 million
Term: Up to 25 years
SBA 504 Loans
For real estate and equipment purchases with long-term fixed rates
Amount: Up to $5.5 million
Term: 10, 20, or 25 years
SBA Microloans
Smaller loans for startups and growing small businesses
Amount: Up to $50,000
Term: Up to 6 years
Benefits
Why choose SBA loans
- Lower interest rates than conventional loans
- Longer repayment terms (up to 25 years)
- Lower down payment requirements
- Government-backed security for lenders
- Flexible use of proceeds
Requirements
SBA eligibility criteria
- For-profit business operating in the US
- Meet SBA size standards for your industry
- Demonstrate ability to repay the loan
- Have reasonable invested equity
- Exhaust other financing options first
What You Can Use SBA Loans For
Working Capital
Day-to-day operations and cash flow
Equipment Purchase
Machinery, vehicles, and technology
Real Estate
Commercial property acquisition
Business Acquisition
Purchasing existing businesses
SBA Loan Process
Pre-Qualification
Determine SBA loan eligibility
Documentation
Gather required SBA paperwork
Lender Review
Initial lender underwriting
SBA Review
Government review and approval
Funding
Loan closing and funding
SBA Loan Impact
$28B+
SBA loans approved annually
60,000+
Small businesses funded yearly
2-4%
Lower rates than conventional loans
Frequently Asked Questions
Ready for Government-Backed Financing?
Take advantage of SBA loan benefits with our expert guidance through the process.