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Government-Backed Funding with the Best Terms Available
SBA loans offer some of the lowest interest rates and longest repayment terms in small business lending. Backed by the U.S. Small Business Administration, these loans give qualified businesses access to affordable, long-term capital.
Key Benefits
$5M
Max SBA 7(a)
Up to $5M through the most popular SBA program
25 yr
Max Term
Real estate loans up to 25-year repayment
Prime+
Low Rates
Rates based on prime rate, typically lowest available
10%
Min Down
As low as 10% down on qualifying purchases
7(a) & 504
Loan Types
Multiple SBA programs to fit your needs
90%
SBA Guarantee
Government guarantees reduce lender risk, improving approval odds
Requirements
Must be a for-profit US business
Owner must have invested equity in the business
Cannot obtain credit elsewhere on reasonable terms
Minimum credit score 650
Business financials for 2–3 years
Personal financial statement from all 20%+ owners
FAQs
What is the difference between SBA 7(a) and SBA 504?
SBA 7(a) is the most flexible and can be used for working capital, equipment, real estate, and more. SBA 504 is specifically for fixed assets like real estate and major equipment, and often offers even lower rates.
How long does SBA loan approval take?
SBA loans typically take 30–90 days to close. However, SBA Express loans can be approved in as little as 36 hours for loans up to $500K.
Can startups get SBA loans?
SBA loans are generally easier to get with at least 2 years in business. However, startups with strong business plans and owner equity may qualify for certain programs.
Is an SBA loan right for my business?
SBA loans are ideal for businesses that qualify and can wait for the approval process. The lower rates and longer terms mean significantly lower monthly payments compared to alternative lenders.
Loan Calculator
Adjust the sliders to see an instant estimate. Actual rates vary based on your business profile.
Monthly Payment
$11,768
Ready to Apply?
No impact on your credit score. Soft prequalification only.
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