Choose Your Program
Four distinct programs tailored to different business needs, stages, and timelines.
7(a) Standard
$50K - $5M- Most versatile SBA program
- Working capital, equipment, real estate
- Variable or fixed rate options
- No collateral required under $50K
504 Program
$125K - $5.5M- Below-market fixed interest rates
- Designed for major fixed assets
- Only 10% down payment required
- Job creation requirements apply
Microloans
Up to $50K- Available to startups and new businesses
- Technical assistance included
- Nonprofit lending intermediaries
- Flexible credit requirements
SBA Express
Up to $500K- 36-hour turnaround on decisions
- Revolving line of credit option
- Streamlined application process
- Same-day pre-qualification possible
Program Comparison
Compare key metrics across all four SBA loan programs at a glance.
Three Steps to Approval
SBA loans require thorough documentation — here is the path from inquiry to approval.
Check Eligibility
Confirm your business meets SBA size standards, operates as a for-profit entity in the U.S., and has a demonstrated need for the loan proceeds.
Gather Documents
Prepare personal and business tax returns (3 years), financial statements, business plan, and personal financial statement (SBA Form 413) for all owners with 20%+ stake.
Submit Application
Complete the application through our team. We match you with the right SBA-approved lender and manage the packaging, so you can focus on running your business.
Built-In Advantages
Government backing translates directly into better terms, lower risk, and stronger borrower protections.
The U.S. Small Business Administration guarantees 50% to 85% of every SBA loan. This means if a borrower defaults, the federal government covers that percentage of the outstanding balance for the lender.
What it means for you: Lenders can offer lower interest rates, longer terms, reduced collateral requirements, and smaller down payments because their risk is substantially mitigated by the federal guarantee.
What You Need
SBA loans have higher qualification standards than alternative products — but the terms make it worthwhile.
What You Can Fund
SBA loans finance the most significant investments a business can make.
Commercial Real Estate
Purchase, build, or renovate owner-occupied commercial property with as little as 10% down.
Business Acquisition
Buy an existing business with favorable terms, longer repayment, and lower equity injection.
Equipment & Machinery
Finance heavy equipment, vehicles, or technology with terms matched to the asset's useful life.
Working Capital
Fund daily operations, inventory, payroll, and growth initiatives with a revolving or term structure.
Common Questions About SBA Loans
Rates shown are examples for qualified borrowers. Actual rates depend on credit profile, business financials, time in business, and product type. All financing subject to approval.