SBA Loans
Affordable, Long-Term Capital Backed by the SBA
Access government-backed financing with the lowest rates and longest terms available to small businesses. Ideal for expansion, equipment, real estate, and major growth initiatives.
Why Choose SBA
The Gold Standard of Business Financing
Government-Backed
SBA loans are partially guaranteed by the U.S. Small Business Administration, meaning lenders can offer more favorable terms, lower rates, and higher approval chances than conventional financing.
Competitive Rates
Because of the government guarantee, SBA loans offer some of the most competitive interest rates available to small businesses. Fixed and variable rate options to suit your needs.
Terms Up to 10 Years
Longer repayment terms mean lower monthly payments and more breathing room for your business. Use the capital to invest in growth without straining your cash flow.
Wide Range of Uses
From expansion and equipment purchases to working capital, refinancing, and real estate. SBA loans are designed to support almost any legitimate business need.
What You Need
Documentation Required
SBA loans require more thorough documentation than our alternative financing options. This is because they offer the best rates and longest terms available. Our team walks you through every step of the documentation process.
Don't have everything ready? No problem. Start your application and our team will help you compile the necessary documents along the way.
Typical Documentation Checklist
- Personal and business tax returns (2-3 years)
- Year-to-date profit & loss statement
- Balance sheet
- Business bank statements (6-12 months)
- Business plan or expansion proposal
- Personal financial statement (SBA Form 413)
- Business debt schedule
- Articles of incorporation / business licenses
The Process
From Consultation to Funding
Initial Consultation
Speak with one of our funding specialists to determine if an SBA loan is the right fit. We assess your business goals, timeline, and financial profile to set expectations upfront.
Document Preparation
Gather the required documentation including tax returns, financial statements, business plan, and personal financial history. Our team guides you through every step.
Underwriting & Approval
Your application is submitted to SBA-approved lenders. Our team advocates on your behalf and works to secure the best possible terms for your business.
Closing & Funding
Once approved, you review and sign the loan documents. Funds are disbursed directly to your business account, typically within 2 weeks of final approval.
Is an SBA Loan Right For You?
Best For Established Businesses Planning Growth
Ideal For
- Business expansion into new locations or markets
- Purchasing major equipment or machinery
- Commercial real estate acquisition
- Working capital for sustained growth periods
- Refinancing existing higher-rate debt
- Inventory purchases for large-scale operations
- Hiring and training to support expansion
- Franchise acquisitions or new business purchases
May Not Be The Best Fit If
- Businesses needing capital within 24-48 hours
- Companies with less than 2 years in operation
- Short-term cash flow gaps (RBF or a credit line may be better)
Need capital faster? Our Revenue Based Financing or Revolving Line of Credit options can get you funded within 24 hours.
At a Glance
SBA Loan Overview
Loan Amount
Up to $5M
Timeline
2 - 6 weeks
Interest Rate
Prime + spread
Term Length
Up to 10 years
Documentation
Full financial package
Backed By
U.S. SBA
Questions
SBA Loan FAQ
Ready to Explore SBA Financing?
Start with a free consultation. Our team will assess your business, walk you through the process, and help you secure the best possible terms.