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SBA Loans

Government-backed SBA 7(a) and 504 loan programs offering long-term, low-rate capital for small businesses — acquisition, expansion, real estate, and working capital.

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$5 Million

SBA 7(a) Max

$20 Million

SBA 504 Max

Up to 25 years

Term Length

Up to 85% SBA

Guarantee

Overview

SBA loans are government-backed financing programs administered by the U.S. Small Business Administration (SBA) and funded through approved lenders. The SBA guarantee reduces lender risk, enabling businesses to access capital at better rates and longer terms than conventional financing. The SBA 7(a) program is the most versatile — covering working capital, equipment, real estate, business acquisition, and refinancing. The SBA 504 program is specifically designed for major fixed asset purchases like commercial real estate and heavy equipment, offering below-market fixed rates on the long-term portion. We guide qualified businesses through the SBA application process, identify the right program, and work with our network of SBA-approved lenders to structure and execute your loan efficiently.

Ideal For

Small businesses seeking long-term, low-rate capital
Businesses acquiring commercial real estate
Operators purchasing a business or franchise
Companies refinancing high-rate existing debt
Businesses purchasing major equipment or machinery
Startups with strong personal credit and business plan
Established businesses with 2+ years of operations

Eligibility & Requirements

Key qualification criteria for this financing program.

Business Size

SBA size standards apply

Time in Business

2+ years preferred

Credit Score

650+ personal credit

US Operations

Must operate in USA

Equity Injection

10-30% typically required

Collateral

Required when available

Financing Structures & Terms

Flexible structures engineered around your business performance and capital needs.

SBA 7(a) Standard

The most versatile SBA program. Up to $5M for working capital, equipment, real estate, business acquisition, and refinancing. Terms up to 25 years for real estate, 10 years for other uses.

SBA 7(a) Small Loan

Streamlined SBA 7(a) for loans up to $350K. Faster processing, reduced documentation, and quicker approval for smaller capital needs.

SBA Express

Expedited SBA program with a 36-hour response time. Up to $500K with a 50% SBA guarantee. Ideal for time-sensitive needs.

SBA 504 (CDC/SBA)

Designed for major fixed asset purchases. 50% conventional lender + 40% SBA-backed debenture + 10% borrower equity. Fixed rate on the SBA portion for 10-25 years.

SBA CAPLines

Revolving lines of credit for seasonal businesses, contract financing, builders, and working capital needs. Up to $5M with flexible draw and repayment.

SBA Export Loans

Specialized SBA programs for businesses that export or plan to export. Higher guarantee percentages and export-specific working capital facilities.

Execution Process

A clear, structured path from inquiry to funding.

Eligibility Assessment

We review your business profile, credit, financials, and intended use of proceeds to identify the optimal SBA program and lender match.

Application Package

Prepare and compile the SBA application package — business plan, financial statements, tax returns, personal financial statements, and required forms.

Lender Submission

Submit to our network of SBA Preferred Lenders (PLP) for faster processing. PLP lenders have authority to approve SBA loans without SBA review.

Approval & Closing

SBA approval, loan documentation, and closing. Funding timeline varies by program — typically 30-90 days from application to funding.

Key Benefits

Government guarantee reduces lender risk — better rates and terms
Longer repayment terms than conventional financing (up to 25 years)
Lower down payment requirements than conventional loans
Fixed and variable rate options available
Can be used for a wide range of business purposes
Available to businesses that don't qualify for conventional financing
SBA 504 provides below-market fixed rates on long-term portion

Compliance & Documentation

Personal financial statement (SBA Form 413) for all owners 20%+
3 years business and personal tax returns
Year-to-date profit & loss and balance sheet
Business plan with financial projections (for startups)
Business license, articles of incorporation, and operating agreement
Collateral documentation (real estate, equipment, business assets)
Resume/background for all owners and key management

Ready to Apply?

Submit your application and our team will respond within 24–48 hours with next steps.

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Submit Documents

Upload financial statements, tax returns, and supporting materials securely.

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Ready to discuss sba loans?

Schedule a confidential capital call to review your business, funding needs, and timeline.

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Regulatory Disclaimer: Business financing information provided herein is for informational purposes only and does not constitute a commitment to lend or a guarantee of financing. All financing applications are subject to credit approval, underwriting, and applicable federal and state lending laws including TILA, ECOA, and applicable state commercial lending laws. Loan terms, rates, and availability are subject to change without notice. Full legal disclosures →