SBA Loans
Government-backed loans with the lowest rates and longest terms available. The gold standard in small business financing.
Prime+2.75%
Avg. Interest Rate
25 Years
Max Term Length
$5M+
Max Loan Amount
Up to 85%
SBA Guarantee
Overview
SBA loans are partially guaranteed by the U.S. Small Business Administration, which allows lenders to offer more favorable terms than conventional financing. With lower interest rates, longer repayment terms, and higher borrowing limits, SBA loans are ideal for established businesses looking for the best possible financing. Our team specializes in navigating the SBA application process to maximize your chances of approval. The SBA guarantee reduces lender risk, which translates directly into better terms for you. We work with SBA-preferred lenders across the country and have helped hundreds of businesses secure 7(a), 504, and microloan programs. While the process takes longer than alternative funding, the savings over the life of the loan are substantial.
Key Benefits
Who Is This Ideal For?
- 1Established businesses seeking the lowest possible interest rate
- 2Companies purchasing commercial real estate or major equipment
- 3Business owners looking for long repayment terms to minimize monthly payments
- 4Franchise owners and operators
- 5Businesses that have the time and documentation for a thorough application
Real-World Use Cases
A franchise owner secures a $1.2M SBA 7(a) loan to open a new quick-service restaurant location
A manufacturer uses a $3M SBA 504 loan to purchase a 40,000 sq ft production facility
A medical practice takes a $750,000 SBA loan to build out and equip a new office
A tech company secures $500,000 to hire developers and fund 18 months of product development
A hotel owner refinances a $2M conventional loan into an SBA loan, saving $4,000/month
A retail business borrows $250,000 to acquire a competitor and consolidate market share
Quick Facts
Funding Range
$50,000 - $5,000,000
Funding Speed
30-90 days
Term Length
Up to 25 years (varies by loan purpose)
No obligation. Free consultation.
Upload Documents
Optional -- speed up your application by preparing these documents.
Bank Statements
Last 3 months of business bank statements
Driver's License
Valid government-issued photo ID
Voided Check
Voided check from your business account
How to Qualify
- 1Minimum 2 years in business
- 2Personal credit score of 680+
- 3Strong annual revenue with documented growth
- 4Detailed business plan required for most programs
- 5U.S.-based for-profit business
- 6Must meet SBA size standards for your industry
- 7No outstanding government debt or tax liens
Industries We Serve
The Process
How SBA Loans Works
Our streamlined process gets you from application to funded as quickly as possible.
Pre-Qualification Assessment
Our SBA specialists review your business profile, financials, and goals to determine which SBA program is the best fit. We evaluate your likelihood of approval before you invest time in the full application.
Application & Documentation
We guide you through the application process, helping you compile the required documentation including business and personal tax returns, financial statements, business plan, and collateral information.
Underwriting & SBA Review
Your application is submitted to an SBA-preferred lender for underwriting. The SBA reviews and guarantees the loan. Our team advocates on your behalf throughout the process to address any questions.
Closing & Funding
Once approved, you close on the loan and funds are disbursed according to your agreement. For real estate purchases, closing follows standard commercial real estate timelines.
Get Started
How to Apply
Follow these simple steps to begin your funding journey.
Free Pre-Qualification
Speak with our SBA specialists for a no-obligation assessment. We review your business profile, credit, revenue, and goals to determine if an SBA loan is the right fit and which program to pursue.
Compile Documentation
With guidance from our team, gather required documents: 3 years of business and personal tax returns, current financial statements, business plan, collateral list, and personal financial statement.
Application Submission
We submit your completed application package to our SBA-preferred lender network. Your dedicated advisor manages the process and keeps you updated at every stage.
Approval, Closing & Funding
After SBA authorization, you proceed to closing. Funds are disbursed per your loan agreement. For real estate, expect a standard commercial closing process. For working capital, funds are typically available within days of closing.
Honest Assessment
Pros & Cons
We believe in full transparency. Here is an honest look at the advantages and limitations.
Advantages
- Lowest interest rates and longest terms in business lending
- Large loan amounts available (up to $5M+)
- No balloon payments -- predictable, fully amortizing payments
- Government backing means more favorable qualification criteria
- Can be used for almost any legitimate business purpose
Considerations
- Longest application and approval process (30-90 days)
- Extensive documentation required
- Personal guarantee required for owners with 20%+ ownership
- Not suitable for businesses needing immediate funding
Common Questions
SBA Loans FAQ
Get answers to the most frequently asked questions about this funding product.