Up to $5M
Loan Amount
Prime + 2.25%
From
30 – 90 days
Time to Fund
Up to 25 yr
Term
Where SBA loans earn their reputation.
The Small Business Administration is not a lender. It guarantees a chunk of loans that approved lenders originate, and the guarantee is what convinces those lenders to quote terms they would never offer on a pure commercial basis. The SBA 7(a) is the workhorse program. It runs up to $5M and covers almost every legitimate business purpose you can name. The SBA 504 is purpose-built for owner-occupied real estate and major fixed equipment.
If you are buying a building, acquiring a business, or financing the kind of expansion you will be repaying for a decade, SBA is usually the right answer. If you need capital this week, it is the wrong one. The file takes real time and your underwriter will tell you that on the first call instead of burning two months of your life on a product that was never going to fit.
Eligibility what we typically look for
- Two full years operating
- $200K+ annual revenue
- Personal credit 680+
- Clean business and personal financials
- A business plan when the ask is larger
- US-based, for-profit entity
Why founders pick this
Key benefits
- Rates lower than any non-SBA commercial option, short of equity.
- Up to $5M on the 7(a) program and $5.5M on the 504.
- Amortization up to 25 years on qualifying deals.
- Separate programs that fit different use cases, from working capital to real estate.
Things people ask before applying.
The 7(a) is the all-purpose option. It funds up to $5M for working capital, equipment, real estate, acquisitions, refinancing, and almost anything else with a legitimate business purpose. The 504 is built specifically for owner-occupied commercial real estate and major fixed assets, and its structure and pricing are even more favorable on the deals it fits.
Because the federal guarantee means the lender has to document the deal to SBA standards, not just their own. Thirty to ninety days is a realistic window once everything is moving. You trade speed for terms you cannot get any other way.
SBA microloans, which cap at $50K, are available to younger businesses. The larger 7(a) and 504 programs typically want at least two years of operating history, though a handful of lenders will consider well-prepared early-stage deals one file at a time.
Loans under $25K do not require collateral. Above $25K, the SBA expects the lender to take collateral when it is reasonably available, but the program rules are clear that a lack of collateral on its own cannot be the sole reason a file is declined.
Often stacked with this one.
Small Business Loans
Lump-sum capital for whatever the business actually needs. Fixed payments, flexible use, and funding inside a week when the file is clean.
Read the brief →Commercial Real Estate Loans
Acquisition, refinance, construction, and renovation financing for income-producing commercial property: office, retail, industrial, multifamily, and mixed-use.
Read the brief →Long Term Business Loans
Five to twenty-five years of runway on the investments that should be amortized, not paid off in a hurry. Real estate, acquisitions, production equipment, anything with a long useful life.
Read the brief →Ready to apply for sba loans?
One application puts every product on the table your underwriter handles the rest.
Soft credit pull. No hard inquiry unless you accept terms.