Government-Backed

SBA
Loans

SBA 7(a) and 504 loans up to $5M with the lowest interest rates in small business lending. Government-backed, long terms, and expert guidance throughout.

Loan Terms

Loan AmountUp to $5M
Starting Rate~6.5% APR
TermUp to 25 years
Guarantee75–90% SBA
Lowest rates in small business lending — 2–4% below conventional

Programs

SBA Loan Programs

1

SBA 7(a) — General Purpose

The most common SBA program. Up to $5M for working capital, equipment, real estate, acquisitions, and refinancing. Fixed and variable rate options.

2

SBA 504 — Real Estate & Equipment

Long-term fixed-rate financing up to $5.5M specifically for commercial real estate purchase and major equipment. Lowest rates available.

3

SBA Express — Fast Track

Expedited SBA program up to $500K with approval in as little as 36 hours. Lower guarantee rate (50%) but significantly faster timeline.

Advantages

Why Choose an SBA Loan?

Lowest Rates in Small Business Lending

SBA-backed loans offer the best interest rates available to small businesses — often 2–4% lower than conventional business loans.

Long Repayment Terms

Up to 10 years for working capital, 25 years for real estate — spreading payments over time to maximize cash flow.

SBA Preferred Lender Access

We route your application to SBA Preferred Lenders (PLP designation) who can approve internally — cutting timeline by weeks.

Expert Navigation

SBA applications are complex. Our specialists prepare your package to maximize approval odds and minimize back-and-forth.

Requirements

2+ years in business
650+ personal credit score
$250K+ annual revenue
DSCR of 1.25× or higher
No federal tax liens or prior SBA defaults

Timeline

2–8 weeks

Max Term

25 years

Check Your SBA Eligibility Today

Our specialists match you with SBA Preferred Lenders — faster approvals, better terms.

Start SBA Application