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  • SBA Loans

Affordable, Long-Term Funding for Serious Growth

SBA loans are some of the most powerful funding options available for small business owners. Backed by the U.S. government, these loans offer lower interest rates, longer terms, and higher approval odds than most traditional options, making them ideal for expansion, refinancing, or large investments.

If you’re ready to take a big step forward, an SBA loans could be the solution.

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Program Snapshot

Loan Amounts

Up to $5M

Loan Terms

10 – 25 years

Interest Rate

Starting at Prime +3%

Pre-Approval Time

Within 48 hours

Funding Timeline

As little as 14 days

Payment Frequency

Monthly

Credit Pull for Pre-Approval

Soft

Why Choose an SBA Loans?

Low, Competitive Interest Rates

Government-backed rates offer lower monthly payments and long-term savings.

Generous Loan Terms

Repay over 10–25 years with manageable monthly payments.

No Prepayment Penalties

Pay off your loan early without added costs.

Simplified Requirements (in some cases)

Some SBA programs require no bank statements or financials for lower loan amounts.

Use Cases for SBA Loans

Equipment or inventory purchases

Working capital

Payroll

Staffing

Debt consolidation

Startup or franchise financing

Documents You Need

  • SBA Pre-Qualification Questionnaire
  • Government-issued photo ID
  • Basic credit application
  • Last 2 years of business and personal tax returns
  • Year-end and year-to-date Profit & Loss + Balance Sheet
  • Use of funds breakdown
  • Personal Financial Statement
  • Business debt schedule (if applicable)
Talk to an SBA Specialist to Get Started

Understanding the SBA Process

SBA lenders place a strong emphasis on credit, typically requiring a minimum 680 FICO across all three bureaus. If you’re starting a new venture or acquiring an existing business, there are specialized SBA programs that may support your goals.

Keep in mind: SBA loans come with more paperwork and a longer approval timeline, especially for amounts over $350,000. Underwriting can take up to two weeks or more. We’ll help you navigate it all, and we encourage you to work only with lenders who are transparent about what they offer and what it takes to qualify.

FAQs

An SBA loan is a business loan partially guaranteed by the U.S. Small Business Administration, making it easier for small businesses to qualify for funding with favorable terms and lower interest rates.
You can use SBA loan funds for a variety of business purposes—such as working capital, buying equipment, refinancing debt, purchasing real estate, even acquiring another business or opening a franchise.
Popular SBA programs include the SBA 7(a) Loan, which is flexible for most business purposes, and the SBA 504 Loan, which is designed for major fixed asset purchases like real estate or equipment.
While requirements vary by lender, most SBA loans require a minimum credit score of around 680 from all three credit bureaus. Stronger credit can improve your chances and secure better terms.
Loan amounts can be up to $5 million, depending on the SBA program, your business qualifications, and the lender.
Repayment terms can be as long as 10 years for working capital loans and up to 25 years for real estate purchases, keeping monthly payments manageable.
SBA loans require more documentation than most other financing options—such as business financials, tax returns, and a business plan—but the competitive rates and long terms make the process worthwhile.
Approval can take anywhere from 2 weeks to several months, depending on the lender and the complexity of your loan request.
For larger loans, over $350,000, lenders may require collateral such as real estate, equipment, or other business assets. The SBA guarantee reduces the risk for the lender, which can make approval easier.