SBA Loans
The SBA loan program offers long-term, affordable financing for small businesses that need capital to expand, refinance, or manage cash flow. Backed by the Small Business Administration, these loans provide lower rates and longer repayment terms than most conventional loans. Get matched with an SBA-approved lender who understands your business goals and can guide you through the process.
SBA Loans
Lending Overview
SBA loans are designed to help small businesses access funding that might otherwise be unavailable through traditional lenders. They offer favorable terms because a portion of the loan is guaranteed by the Small Business Administration, reducing the lender’s risk. Borrowers use SBA financing for a wide range of purposes—from purchasing equipment and real estate to consolidating debt or boosting working capital. Unlike short-term private loans, SBA programs provide structured repayment plans, typically from 7 to 25 years, depending on the loan type.
Build, Expand, and Strengthen Your Business
How to Effectively Apply Funds
SBA financing can be used for nearly any business purpose—real estate purchases, renovations, working capital, or refinancing higher-interest debt. Many business owners use these loans to fund long-term expansion, purchase another company, or buy out a partner. Because repayment terms are extended and rates are regulated, they’re one of the most cost-effective options available.
Flexible Financing for Nearly Any Business Purpose
SBA 7(a) Loan
The SBA 7(a) loan is the most common SBA program, offering flexibility for a wide range of business needs. It can be used for real estate purchases, business acquisition, equipment, or working capital. Loan amounts can reach up to $5 million, with repayment terms ranging from 7 to 25 years depending on use.
Interest rates are typically competitive and partly capped by SBA regulations, making them more affordable than many commercial loans. Because the SBA guarantees a portion of the loan, lenders are more willing to approve borrowers who may lack extensive collateral or long operating histories.
The 7(a) program is ideal for established businesses ready to scale or restructure operations. It also supports refinancing of high-cost debt to reduce monthly obligations and improve cash flow. Work with your broker to evaluate your eligibility and prepare the documentation required by the lender to ensure a fast, efficient process.
Long-Term Financing for Fixed Assets and Expansion
SBA 504 Loan
The SBA 504 loan program helps businesses purchase or upgrade fixed assets such as land, buildings, or heavy equipment. It’s structured as a partnership between a Certified Development Company (CDC) and a private lender, providing up to 90% financing with longer terms and lower down payments.
Loan amounts can reach $5.5 million or more, depending on the project. Because 504 loans are designed for fixed assets, they’re ideal for business owners seeking to expand facilities, modernize operations, or transition from renting to owning.
Interest rates are typically below market average and fixed for the life of the loan, making budgeting easier. Terms range from 10 to 25 years, giving your business time to grow into its investment.
Faster Approvals, Flexible Use of Funds
SBA Express Loan
SBA Express loans are designed for business owners who need capital quickly without sacrificing favorable terms. They provide up to $500,000 in funding, often with turnaround times of just days instead of weeks. Funds can be used for short-term operating costs, working capital, or immediate expansion needs. While the SBA guarantee is smaller than other programs, lenders have more discretion to approve applications quickly.
Express loans are ideal for businesses that need to act on time-sensitive opportunities, such as inventory purchases or contract fulfillment. Because they can take the form of a term loan or revolving line of credit, borrowers can structure financing based on cash flow cycles.
Our brokers match you with lenders known for efficient underwriting and transparent communication. With an SBA Express loan, you can maintain agility without compromising financial stability.
Small Loans for Startups and Emerging Businesses
SBA Microloan
The SBA Microloan program provides up to $50,000 in financing for startups or small businesses that may not yet qualify for traditional bank loans. These loans are distributed through nonprofit lending organizations that focus on supporting local business development.
Funds can be used for equipment, inventory, supplies, and working capital but cannot be used to pay existing debt or purchase real estate. Terms generally range from six months to six years, offering manageable payments for smaller ventures. Because microloans are backed by the SBA but funded locally, lenders often provide additional support such as business training and mentoring. This makes the program an excellent option for newer business owners building their credit and operational experience.
Our brokers can help identify approved microloan intermediaries and assist in preparing your financial package for faster approval. Microloans may be small, but they often play a vital role in getting a new business off the ground.
Business Solutions
To Qualify:
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Alternative Solutions
If an SBA loan isn’t what you’re looking for, try:
Working Capital Loans
Access short-term funding to manage payroll, inventory, or day-to-day expenses without disrupting your cash flow.
Equipment Financing
Secure financing for vehicles, machinery, or technology upgrades while preserving your business savings.