SBA Loans - Government-backed financing with favorable terms for your business
Access Small Business Administration guaranteed loans with lower down payments, longer terms, and competitive rates to fuel your business growth.
- Funding amount available
- $50K–$5M
- Repayment terms
- 10–25 yrs
- Typical time to funding (approval as fast as 48–72 hrs)
- ~45 days
Key features
SBA loans offer unique advantages that make them an attractive option for many small businesses.
Lower Down Payments
Benefit from reduced equity requirements compared to conventional loans, allowing you to preserve more working capital.
Longer Repayment Terms
Enjoy extended loan terms up to 25 years for real estate and 10 years for equipment and working capital, reducing monthly payments.
Competitive Interest Rates
Access loans with interest rates that are typically lower than conventional financing options for similar businesses.
Multiple Loan Programs
Choose from various SBA loan programs including 7(a), 504, and Express loans, each designed for specific business needs.
Funding for Various Business Purposes
Use SBA loans for working capital, equipment purchases, real estate acquisition, business acquisition, and more.
Technical Assistance Available
Access business counseling, training, and support services through SBA resource partners to help your business succeed.
SBA loan programs
The SBA offers several loan programs designed to meet different business needs and situations.
SBA 7(a) Loans
The most common program for general business purposes with loans up to $5 million
SBA 504 Loans
Long-term, fixed-rate financing for major fixed assets like real estate and equipment
SBA Express Loans
Accelerated turnaround time for approval on loans up to $500,000
SBA Microloans
Small, short-term loans up to $50,000 for startups and small businesses
SBA Export Loans
Specialized financing for businesses that export goods or services internationally
SBA Disaster Loans
Low-interest loans to businesses recovering from declared disasters
Business benefits
SBA loans provide significant advantages that can help your business grow and succeed.
Lower Upfront Costs
Preserve your cash with lower down payments and reduced collateral requirements compared to conventional loans.
Improved Cash Flow
Benefit from longer repayment terms that result in lower monthly payments, improving your business cash flow.
No Balloon Payments
Enjoy fully-amortized loans without balloon payments, providing predictable repayment schedules for the life of the loan.
Business Support Resources
Access valuable mentoring, training, and resources from SBA partners to help your business grow and succeed.
Why it works
What an SBA loan can do for your business when you have the right guidance through the process.
- Preserve your working capital with smaller down payments than conventional financing requires
- Lower down
- Longer repayment terms keep monthly payments manageable so cash flow stays healthy
- Up to 25 yrs
- Our funding experts walk you through every step of the SBA application process
- Guided
Do you qualify?
SBA loans have stricter requirements than other funding types. Here is what you need to qualify.
675+ FICO score
A personal credit score of at least 675 is required for SBA-backed financing.
2+ years in business
Your business should have at least two years of operating history.
$120K/yr in sales
Annual revenue of at least $120,000 helps demonstrate ability to repay.
Checking your eligibility takes about 15 seconds and will not affect your credit score.
Ready to apply for SBA funding?
Our funding experts guide you through every step of the SBA application process.