Government-backed financing for long-term growth

SBA loans — lower rates,
longer terms, more paperwork.

SBA-guaranteed loans typically offer some of the most competitive rates and longest terms available to small businesses, in exchange for a more involved application process. We'll help you figure out if it's the right fit.

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7(a) loan size
Up to $5M
Program ceiling
Real estate term
Up to 25 years
On qualifying loans
SBA guaranty
Up to 85%
Reduces lender risk
Program overview

Government-backed financing, in plain terms

SBA loans are guaranteed in part by the U.S. Small Business Administration, which lets participating lenders offer longer terms and lower rates than most conventional small-business financing — in exchange for a more involved application.

7(a) loansGeneral-purpose financing for working capital, equipment, real estate, or acquiring a business — up to $5 million
504 loansLong-term, fixed-rate financing for real estate and major equipment, paired with a participating lender
Express loansSmaller loan amounts with a faster SBA response time
Common usesWorking capital, equipment, real estate, business acquisition, debt refinance
Who typically qualifies

What SBA lenders generally look for

For-profit and US-based
Your business must meet the SBA's size standards for your industry.
Solid personal credit
Strong personal credit history from owners is a key part of underwriting.
Demonstrated ability to repay
Lenders want to see cash flow that comfortably covers the proposed payment.
US citizen or permanent resident ownership
Generally required for the controlling owner(s).
What you'll typically need

A more thorough document list than most programs

SBA program terms, rates, and eligibility rules are set by the SBA and the participating lender, and can change. The overview above is general program information, not a quoted offer — talk to us for the current specifics for your business.
Find out which SBA program fits your business
We'll help you figure out whether a 7(a), 504, or Express loan makes the most sense before you apply.
Apply now