SBA Loans

What it is

SBA loans are financed by approved lenders and partially guaranteed by the U.S. Small Business Administration, which lets lenders offer lower interest rates, longer repayment terms, and larger loan amounts than most conventional products.

We help you navigate the two most common programs: the SBA 7(a) loan, used for working capital, equipment, refinancing debt, or acquiring a business; and the SBA 504 loan, used for major fixed assets like commercial real estate or heavy equipment. Because the underwriting process is more thorough, funding takes longer than an MCA or term loan — but the trade-off is meaningfully lower cost.

Best for

• ✓ Established businesses with solid financials and credit
• ✓ Owners who want the lowest possible interest rate
• ✓ Real estate purchases, business acquisitions, or major expansions
• ✓ Businesses that can wait 30-90 days for funding

Requirements

• ✓ Minimum 2 years in business
• ✓ Good personal and business credit history
• ✓ Collateral may be required depending on loan size
• ✓ Last 4 months of business bank statements plus financial statements