SBA Loans
Government-backed financing with competitive rates and long repayment terms for qualifying small businesses.
- Borrow up to $5 million
- Competitive rates available
- Terms up to 25 years
- No balloon payments
- SBA 7(a) and SBA 504 programs available
No hard credit pull. No obligation.
What Is an SBA Loan?
An SBA loan is a small business loan partially guaranteed by the U.S. Small Business Administration. The government guarantee reduces lender risk, which allows lenders to offer significantly lower interest rates, larger loan amounts, and longer repayment terms than conventional business loans.
SBA loans are best suited for established businesses planning to expand, acquire commercial real estate, purchase major equipment, or refinance existing high-rate debt. The SBA 7(a) program is the most flexible option for general business purposes, while the SBA 504 program is designed specifically for long-term fixed assets like property and large equipment.
What Can You Use It For?
Business Acquisition
Purchase an existing business or franchise with long-term, favorable SBA-backed financing.
Commercial Real Estate
Buy, build, or renovate owner-occupied commercial property with terms up to 25 years.
Major Equipment
Finance heavy machinery, vehicles, or specialized equipment over extended repayment periods.
Business Expansion
Fund new locations, staff growth, or market expansion with long-term working capital.
Debt Refinancing
Eligible business debt may be refinanced in qualifying circumstances, subject to SBA and lender requirements.
Inventory & Operations
Cover inventory purchases, operational expenses, or seasonal working capital needs.
Loan Terms at a Glance
Loan Amount
$50,000 – $5,000,000
Interest Rate
Competitive rates available
Loan Term
Up to 25 years
Down Payment
Varies by program and lender
Time to Funding
30 – 90 days
Min. Credit Score
Varies by lender
Basic Qualifications
Time in Business
Eligibility requirements vary by SBA program and participating lender.
Annual Revenue
Eligibility depends on revenue, cash flow, and other underwriting factors, which vary by lender and program.
U.S.-Based For-Profit Business
Must operate as a for-profit entity physically located and registered in the United States.
Apply for an SBA Loan Today
Check your eligibility in minutes — initial review may be completed without a hard credit inquiry.