SBA Loans
Government-backed funding with the lowest rates and longest terms available — guided by a dedicated SBA specialist.
The most affordable capital, made navigable.
SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer some of the lowest rates and longest repayment terms available to small businesses — up to 25 years on real-estate-backed loans.
The trade-off is a more thorough application. That's where we come in: a dedicated SBA specialist helps you assemble every document, anticipate underwriting questions, and keep the process moving — so you get exceptional terms without getting lost in the paperwork.
When the best terms are worth the wait.
Best for established, qualifying businesses making a major, long-term investment.
- Purchasing commercial real estate
- Acquiring an existing business
- Large expansion or renovation projects
- Refinancing higher-cost business debt
- Major equipment combined with working capital
- Long-horizon investments needing the lowest payment
A guided path to government-backed capital.
Talk to a specialist
We assess fit and map out exactly which SBA program and documents apply to you.
Build the package
Your specialist helps assemble financials, projections, and paperwork — done right the first time.
Underwrite & approve
We submit a complete, well-prepared file to speed review and approval.
Close & fund
Sign your closing documents and receive funds, typically within two to four weeks.
Transparent pricing, no surprises.
Your exact rate depends on time in business, revenue, and credit profile. Here's the typical range.
| Detail | Range |
|---|---|
| Loan amount | $50,000 – $5,000,000 |
| Rate | Prime + 2.75% – 4.75% |
| Term | Up to 10 yrs (working capital), 25 yrs (real estate) |
| Repayment | Monthly, fixed or variable |
| Down payment | 10% typical |
| Guarantee fee | Per SBA schedule |
Figures are illustrative for this demonstration site. Actual rates, fees, and terms are set during underwriting.
What you'll need to qualify.
SBA loans reward established businesses with strong fundamentals. Approved applicants generally exceed these baselines:
- 6+ months in businessTime operating shows us a track record to underwrite against.
- $15,000+ monthly revenueSBA financing typically suits businesses with revenue and profitability well above the minimum.
- 500+ credit scoreSBA programs generally favor stronger credit; our specialists advise on what's needed for your file.
Benefits of sBA Loans.
Lowest available rates
Government backing lets us offer rates that are tough to beat anywhere else.
Longest repayment terms
Stretch repayment up to 25 years to keep monthly payments remarkably low.
A dedicated specialist
One expert guides you through every document and milestone, start to finish.
Large loan amounts
Access up to $5M for real estate, acquisitions, and major expansion.
Government-backed confidence
SBA partial guarantees make ambitious projects achievable for qualifying businesses.
Done right the first time
We prepare a complete, well-organized file to speed underwriting and approval.
SBA Loans FAQ.
SBA loans require more documentation and a government-backed review. The reward is far lower rates and longer terms — and our specialists streamline the process to keep it moving.
Rates are typically Prime plus a margin, among the lowest available. Terms run up to 10 years for working capital and up to 25 years for real estate.
Most SBA loans require around 10% down, though it varies by program and use of funds. Your specialist will confirm what applies to you.
Established, profitable businesses with solid credit and clear financials are the best fit. We'll review your situation and advise honestly before you invest time in an application.
Other ways to access capital.
Popular with these businesses.
This product is a frequent fit for these sectors — explore funding tailored to yours.
Unlock the best terms available.
Apply in five minutes and see real offers — with no impact to your credit score.