Government-backed loans up to $5 million with competitive rates and extended terms. The gold standard for business financing.
An SBA loan is a loan partially guaranteed by the U.S. Small Business Administration. The SBA doesn't lend money directly — instead, they guarantee a portion of the loan, reducing risk for lenders and allowing them to offer better terms.
The most popular program is the SBA 7(a) loan, which can be used for almost any business purpose. These loans offer the lowest interest rates in small business lending (often 6-13%) and the longest repayment terms (up to 25 years for real estate).
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💡 Why Choose SBA?
SBA loans offer the best terms in small business financing: lowest rates, longest terms, and highest loan amounts. The trade-off is a longer approval process and more documentation — but the savings can be tens of thousands of dollars over the life of the loan.
SBA Loan Experts at Your Service
The SBA application process can be complex, but we've helped hundreds of businesses secure SBA financing. We'll guide you through every step and help you compile a winning application.
Start Your SBA ApplicationWe'll review your business and financials to determine if SBA is the right fit and estimate your loan amount.
We'll help you gather all required documents and prepare a comprehensive application package that maximizes approval odds.
Once approved (typically 30-90 days), you'll close on the loan and receive funds. We'll support you throughout the entire process.
💼 Expert guidance from start to finish | Funding up to $5 million
SBA 7(a) is the most flexible — can be used for almost any business purpose including working capital, equipment, or real estate. SBA 504 is specifically for fixed assets (real estate or large equipment) and typically offers even lower rates but more restrictions.
The full process typically takes 30-90 days from application to funding. This includes underwriting (2-4 weeks), SBA review (1-2 weeks), and closing (1-2 weeks). Some lenders offer SBA Express loans with faster turnaround.
Yes, typically 10-20% down for real estate or business acquisition. For working capital or equipment, the down payment may be lower or waived depending on cash flow and creditworthiness.
SBA loans require demonstrated profitability. If you're pre-revenue or have losses, you'll need to wait until you have at least 2 years of profitable operations. Consider alternative financing options in the meantime.
Absolutely! SBA 7(a) loans are one of the most popular ways to finance a business acquisition. You can borrow up to $5 million to purchase another company, franchise, or business assets.
If you qualify and can afford to wait 30-90 days, absolutely. The lower rates and longer terms can save you tens or even hundreds of thousands of dollars over the life of the loan compared to conventional financing.