SBA Loans
Government-backed financing with the lowest rates and longest terms available to small businesses.
- Borrow up to $5 million
- Rates starting at 6.5% APR
- 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
Replace high-rate debt with a lower-cost SBA loan and improve your monthly cash flow.
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
From 6.5% APR
Loan Term
Up to 25 years
Down Payment
As low as 10%
Time to Funding
30 – 90 days
Min. Credit Score
650+
Basic Qualifications
2+ Years in Business
SBA loans require at least 2 years of operating history for most programs.
$250K+ Annual Revenue
Consistent annual revenue of at least $250,000 with demonstrated positive cash flow.
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 — no impact to your credit score.