SBA Loans · government-backed
Up to $5 million with the best terms in the market
The government guarantee opens what a regular loan can't: lower rates, terms up to 25 years and a minimal down payment. We build your file and present it where it has the best chance of approval.
- No credit impact
- Comfortable 10–25 year payments
- We guide you to closing
Programs
Which one is right for you?
SBA 7(a)
The most versatile SBA loan.
- ✓ Working capital, debt refinance or expansion
- ✓ Buy a business or buy out a partner
- ✓ Long terms and low down payment
SBA 504
For owner-occupied real estate and heavy equipment.
- ✓ Long-term fixed rate
- ✓ Low down payment (~10%)
- ✓ Property must be 51%+ owner-occupied
SBA Microloan
Smaller amounts (up to $50,000).
- ✓ Handled by local nonprofit lenders
- ✓ Good for younger or smaller businesses
- ✓ We point you to the right one
Benefits
Why an SBA loan
- ✓ Lower interest rates than many conventional options
- ✓ Longer repayment terms (up to 25 years on real estate)
- ✓ Lower down payment / initial capital requirement
- ✓ Government backing (SBA guarantee) that opens doors
- ✓ Flexible use of funds depending on the program
- ✓ Guidance and advice throughout the entire process
Eligibility
Who qualifies?
SBA programs are for for-profit U.S. businesses (current rules require U.S. citizenship). Lenders look at time in business (typically ~2+ years), revenue, cash flow that covers the payment, and credit. Not sure if you qualify? Our non-SBA term loan may be an option — the fastest way to know is the free pre-qualification.
Ready to start?
Tell us about your business and we'll tell you which SBA program makes the most sense for you.