Government-backed small business loans with the lowest available rates and longest repayment terms. Backed by the U.S. Small Business Administration for qualifying businesses.
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SBA loans are business loans partially guaranteed by the U.S. Small Business Administration, a government agency dedicated to supporting small business growth. Because the government backs a portion of the loan, lenders can offer lower interest rates and longer repayment terms than conventional business loans.
The most popular SBA program is the 7(a) loan, which provides up to $5 million for a wide range of business purposes. The SBA 504 loan is designed for major fixed assets like real estate and heavy equipment, and can reach up to $5.5 million. SBA Microloans offer up to $50,000 for small businesses and startups.
SBA loans come with the best rates and longest terms in the market, but they also require more documentation, stronger financials, and a longer approval process. They are ideal for established businesses making significant, long-term investments.
A short application is all it takes to find out whether you qualify, which SBA program fits your situation, and what rates and terms you can actually get, before committing to anything.
Quick Facts
SBA loans involve more steps than other funding types, but the rates and terms are worth it for qualifying businesses.
A short application tells you which SBA program fits your situation and whether your business meets the eligibility criteria, before you commit to a full application or provide extensive documentation.
SBA loans require more documentation than other products: typically 2 years of tax returns, financial statements, a business plan, and ownership information. Your approved lender walks you through exactly what’s needed so you know what to expect at each step.
After review by the lender and SBA, you receive a formal approval. Funds are disbursed according to the specific program terms, typically as a lump sum for 7(a) loans or proceeds tied to asset acquisition for 504 loans.
SBA loans have the strictest requirements, but offer the most favorable terms for businesses that qualify.
SBA loans offer unmatched terms, but come with a longer, more rigorous process.
Advantages
Considerations
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Takes 2 minutes. No credit impact. No cost to apply. See which SBA program fits your business and what rates you can actually get.
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