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SBA Loans

The lowest rates and longest terms in small business lending, backed by the U.S. Small Business Administration. Slower and more demanding than everything else we arrange, and worth it when your file can clear the bar.

Check what you qualify for Call (888) 555-0123

At a glance

Loan amount$50K – $5M
Speed to funds30 – 90 days
RepaymentFixed monthly
Terms10 – 25 years
Credit typically needed650+ FICO
RatesLowest available
What it is

Bank-grade money, government-backed

SBA loans are made by lenders and partially guaranteed by the federal government. That guarantee is why the rates are the lowest in the market and why terms stretch to decades instead of months, and it is also why the paperwork is real.

The 7(a) program is the workhorse: up to $5M for working capital, refinancing, acquisitions, equipment, or real estate. The 504 program targets fixed assets, buildings and heavy equipment, with even longer terms.

Expect a genuine underwriting process: two to three years of business and personal tax returns, financial statements, a debt schedule, and 30 to 90 days from application to funding. We prepare the file with you so it survives underwriting the first time.

Where SBA shines

  • Refinancing expensive debt: replacing short-term obligations with a 10-year payment often cuts the monthly burden dramatically.
  • Buying a business or building: long terms make big purchases carry themselves.
  • Major expansion: projects measured in years deserve financing measured in years.
Example: $500,000 SBA 7(a), 10-year term
Loan amount$500,000
Term120 months
PaymentFixed monthly
Rate basisPrime + lender spread
GuaranteeSBA-backed
Time to funding30 – 90 days
Illustration only. SBA rates float with Prime and are capped by program rules. Your lender's exact terms appear in the offer.

Need money sooner?

Many clients take fast funding now and refinance into SBA later. We can structure exactly that path from day one.

Start your application
or call (888) 555-0123
Fit check

Who it's for, honestly.

A good fit if you

  • Have 2+ years of clean tax returns and 650+ credit
  • Can wait one to three months for funding
  • Are financing something long-lived: acquisition, property, major expansion
  • Want the lowest possible monthly payment

Look elsewhere if you

  • Need funds this month, SBA cannot move that fast
  • Have credit under 650 or unfiled tax returns
  • Have recent defaults on government-backed debt
  • Are funding a short-term need, decade-long paper is the wrong tool
Requirements

What you'll need.

01

2+ years in business

With business and personal tax returns filed for each of them.

02

650+ FICO

SBA lenders underwrite the owner as much as the business. Credit history matters here.

03

Financial statements

P&L, balance sheet, and a schedule of existing debt. We help you assemble all of it.

Questions

SBA loan FAQ.

Why do SBA loans take so long?+
Full underwriting plus a government guarantee process. Every year of tax returns gets read. The reward for the wait is pricing nothing else can match.
7(a) or 504, which do I want?+
7(a) for working capital, refinancing, acquisitions, and general purposes. 504 for buildings and heavy fixed assets. Your advisor will route the file to the right program.
Can I refinance expensive funding into SBA?+
Often, yes. Replacing short-term daily or weekly payment debt with one 10-year monthly payment is one of the most common and most valuable SBA use cases we arrange.
What if I get declined?+
We tell you why, fix what is fixable, and bridge the gap with faster funding if the need will not wait. A decline today is frequently an approval two quarters later.

The cheapest money you can get.

If your file clears the bar, nothing else comes close. Let's find out.

Apply now Call (888) 555-0123