Smarter SBA financing starts here.

Navigating the SBA process can be challenging. We make it easier by connecting business owners with SBA-approved lenders and building a complete file.

Apply for an SBA loan Call 888-351-8024

What would your business achieve with the right financing?

SBA loans offer long-term, low-payment financing with competitive rates, ideal for expansion, equipment, acquisitions and refinancing debt.

Low rates, long termsUp to 10 years for working capital and up to 25 for real estate keeps payments manageable.
Government-backedThe SBA guarantees part of the loan, which lowers lender risk and helps strong small businesses qualify.
An in-house SBA teamOur SBA specialists know each program's rules and what lenders want to see.
Tailored programs7(a), 504, Express and microloans, matched to your goal instead of a one-size-fits-all product.

Explore SBA loan programs.

Terms below are typical program ranges. Final terms, rates and approvals are set by the SBA-approved lender.

SBA 7(a)

The most popular SBA option, flexible enough for working capital, equipment, refinancing debt or buying a business.

Amounts: Up to $5 million
Terms: Up to 10 years for working capital, 25 years for real estate
Rates: Competitive variable and fixed rates, typically Prime + 1%–3%
Use cases: Expansion, new equipment, working capital, business acquisition, commercial real estate, franchising
Qualifications: Good personal credit, strong business financials and the ability to meet SBA guidelines
Good to know: Approval can take several weeks and requires thorough documentation

SBA 504

Long-term financing for fixed assets like real estate, heavy equipment and renovations.

Amounts: Up to $5.5 million
Terms: 10, 20 or 25 years
Use cases: Buying or constructing commercial real estate, heavy equipment, renovations
Qualifications: Strong credit and at least 10% equity
Good to know: Requires partnering with a Certified Development Company (CDC), so timelines run longer

SBA Express

Faster access to SBA funds with streamlined approval and lighter documentation.

Amounts: Up to $500,000
Terms: Up to 7 years for lines of credit, 10 years for loans
Rates: Slightly higher than other SBA loans, typically Prime + 4.5%–6.5%
Use cases: Quick working capital, smaller projects, short-term expenses
Qualifications: Good credit, a clear repayment plan and basic financials
Good to know: Approval is typically within 36 hours

SBA Microloan

Small loans managed through nonprofit intermediaries, listed on our site as SBA Bolt.

Amounts: $1,000 to $50,000
Terms: Up to 6 years
Rates: Fixed, typically 6%–13%
Use cases: Starting a business, purchasing inventory, minor operating costs
Qualifications: Less stringent requirements, may include training or counseling

How the SBA process works with us.

01
Share your goal
Tell us about yourself, your business and your financial goals, so we can identify the best SBA options for you.
02
Meet our SBA team
Our in-house SBA team reviews your information, explores every available program and matches you with the right fit.
03
Streamline the application
We make sure your application is accurate and complete, with all required documents, and guide you every step.
04
Get funded
We connect you with SBA-approved lenders and help you secure the funding your business needs.

of U.S. businesses are small businesses.

And according to the U.S. Small Business Administration, 46.4% of private-sector employees work for one. We exist to fund the entrepreneurs who create those jobs and strengthen their communities.

Your in-house SBA team.

Travis TengDirector of SBA
Nicholas LovagsSBA Coordinator
Matt VintisSBA Coordinator
Matthew StevensSBA Coordinator
Ashley CosmeSBA Coordinator
Jordan LowrySBA Coordinator
Destiny MincakSBA Coordinator
Selvin MaldonadoSBA Coordinator
Alex TorresSBA Coordinator
Noah VegaSBA Coordinator

SBA videos from our team.

What is an SBA loan, and how does it work?

SBA loans are government-backed loans provided by approved lenders. The SBA guarantees a portion of the loan, which lowers the lender's risk and makes it easier for small businesses to qualify for affordable, long-term financing.

What types of businesses qualify for SBA loans?

Most for-profit small businesses with good credit, a solid business plan and the ability to repay the loan qualify, provided they meet the SBA's size standards.

How long does it take to get approved for an SBA loan?

It depends on the program. SBA Express loans may take as little as 36 hours, while 7(a) or 504 loans can take several weeks because of the documentation and review process.

What are typical interest rates and repayment terms?

Rates vary by program but are generally competitive, with fixed or variable options. Repayment terms range from about 6 years for microloans to 25 years for real estate under the 504 program.

What documentation is required?

Typically personal and business tax returns, a profit and loss statement, a balance sheet, a personal financial statement and a detailed business plan. Specific requirements vary by loan type.