Equipment or inventory purchases
Affordable, Long-Term Funding for Serious Growth
SBA loans are some of the most powerful funding options available for small business owners. Backed by the U.S. government, these loans offer lower interest rates, longer terms, and higher approval odds than most traditional options, making them ideal for expansion, refinancing, or large investments.
If you’re ready to take a big step forward, an SBA loans could be the solution.
Program Snapshot
Loan Amounts
Up to $5M
Loan Terms
10 – 25 years
Interest Rate
Starting at Prime +3%
Pre-Approval Time
Within 48 hours
Funding Timeline
As little as 14 days
Payment Frequency
Monthly
Credit Pull for Pre-Approval
Soft
Why Choose an SBA Loans?
Low, Competitive Interest Rates
Government-backed rates offer lower monthly payments and long-term savings.
Generous Loan Terms
Repay over 10–25 years with manageable monthly payments.
No Prepayment Penalties
Pay off your loan early without added costs.
Simplified Requirements (in some cases)
Some SBA programs require no bank statements or financials for lower loan amounts.
Use Cases for SBA Loans
Working capital
Payroll
Staffing
Debt consolidation
Startup or franchise financing
Documents You Need
- SBA Pre-Qualification Questionnaire
- Government-issued photo ID
- Basic credit application
- Last 2 years of business and personal tax returns
- Year-end and year-to-date Profit & Loss + Balance Sheet
- Use of funds breakdown
- Personal Financial Statement
- Business debt schedule (if applicable)
Understanding the SBA Process
SBA lenders place a strong emphasis on credit, typically requiring a minimum 680 FICO across all three bureaus. If you’re starting a new venture or acquiring an existing business, there are specialized SBA programs that may support your goals.
Keep in mind: SBA loans come with more paperwork and a longer approval timeline, especially for amounts over $350,000. Underwriting can take up to two weeks or more. We’ll help you navigate it all, and we encourage you to work only with lenders who are transparent about what they offer and what it takes to qualify.
What Do You Qualify For?
Not sure if an SBA loans is right for you? We’ll help you assess your eligibility and explore alternative options if needed — all without impacting your credit.
Minimum Requirements:
- Business must operate in the U.S.
- Business bank account required (for most programs)
- No open bankruptcies
- No lender defaults within the last 12 months
Let’s Get You Funded
Our friendly team would love to hear from you.
