SBA Loans

Government-backed loans with long terms.

SBA loans are issued by private lenders and partially guaranteed by the U.S. Small Business Administration. That government backing lets lenders offer some of the lowest rates and longest terms available to small businesses — up to $5 million or more, with repayment stretched over 10 to 25 years. The trade-off is paperwork and patience, and that's exactly what we help you manage.

Amount: $50K – $2M
Funding speed: 30–60 days
Minimum: 2+ years in business

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Checking your options won't affect your credit score.

Why businesses choose it

Some of the lowest rates in business lending

Because the SBA guarantees a portion of the loan, lenders take on less risk — and pass that savings on to you as lower rates than most alternatives.

Long terms, smaller payments

Repayment terms run up to 10 years for working capital and up to 25 years for real estate, keeping monthly payments manageable while you grow.

A program for every purpose

SBA 7(a) loans cover working capital, expansion, and equipment up to $5 million. SBA Express loans move faster up to $500,000. SBA 504 loans fund land, buildings, and heavy equipment up to $5.5 million.

We handle the heavy lifting

SBA applications are document-heavy. A specialist helps you assemble the full package the first time, so your file doesn't stall in underwriting.

SBA loans vs. conventional business loans

	SBA Loans	Traditional bank loan
Interest rates	Among the lowest available	Typically higher, varies widely
Repayment terms	Up to 10–25 years	Often 1–7 years
Down payment	As low as 10% on many programs	Often 20–30%
Time to funding	30–60 days	Days to a few weeks
Best for	Established businesses planning long-term	Fast, short-term needs

Who it works for

Established businesses with 2+ years of operating history and solid financials
Owners buying commercial real estate or the building they operate from
Businesses acquiring another company or buying out a partner
Owners refinancing expensive short-term debt into a lower monthly payment
Businesses making major equipment purchases with a long useful life

Repayment your way

SBA loans are fully amortizing with fixed monthly payments — no surprises. Terms up to 10 years for working capital and equipment, and up to 25 years for real estate, mean the payment fits your cash flow instead of straining it.

Common uses

Business acquisition or partner buyout
Commercial real estate purchase
Equipment and machinery
Refinancing high-cost debt
Long-term working capital
Expansion to a new location

What you'll need

2+ years in business
Good personal credit (typically 650+)
2 years of business and personal tax returns
Financial statements
Photo ID

How it works

1
Complete a quick pre-qualification so we can match you with the right SBA program.
2
A specialist helps you assemble the full application package — tax returns, financials, and projections.
3
An SBA-approved lender underwrites your loan and issues a commitment.
4
Close and receive funds with repayment terms up to 10–25 years.

Questions about sba loans

Why do SBA loans take longer?

They require more documentation and a government-guarantee review, in exchange for longer terms and lower rates. A well-prepared package moves much faster — which is where we come in.

Which SBA programs are available?

Most commonly 7(a) loans (up to $5M for working capital, expansion, and equipment), SBA Express (up to $500K with faster turnaround), and 504 loans (up to $5.5M for real estate and major fixed assets).

Is collateral required?

Lenders may request collateral for larger loans, but SBA rules prevent them from declining a loan solely for lack of collateral. A specialist can walk you through it.

Can a newer business qualify?

Most SBA lenders want to see 2+ years of operating history, though some programs work with younger businesses that have strong financials and experience in the industry.

Can I use an SBA loan to refinance existing debt?

Yes — refinancing expensive short-term debt into a long-term SBA loan is one of the most common and valuable uses.

What credit score do I need?

Typically 650 or higher, though the full picture matters — revenue, time in business, and the strength of your application all play a role.

Ready to see what you qualify for?