SBA · GOVERNMENT-BACKED

SBA loans, every program in one place.

Government-backed loans with some of the lowest rates and longest terms available, from $25K SBA Express to $5M 7(a) and 504. One application matches you across all five programs.

See my SBA offers Won’t affect your personal credit score.
SBA 7(a)SBA ExpressSBA Growth LoanSBA 504SBA Construction
SBA financing
SBA · GOV-BACKED

SBA 7(a)

The flagship SBA loan: low rates, long terms, almost any purpose.

The most flexible SBA loan. Government-backed, so lenders can offer the lowest rates and the longest repayment terms for nearly any legitimate business purpose, from acquisitions to real estate to working capital.

Amount
$350K to $5M
Term
Up to 25 years
Rate
Among the lowest available (Prime-based, SBA-capped)
Timeline
Typically 3 to 6 weeks to funding
How it works
Apply
SBA guaranty
Bank funds
Repay to 25 yrs
Funding structure
The SBA guarantees up to 85%, which brings bank-grade rates
SBA guaranty · 85%
Bank · 15%
Minimum eligibility
  • 650+ personal credit
  • 2+ years in business
  • For-profit U.S. business
  • Solid financials
Use cases · pre-qualify for any
Buy an existing business or fund a partner buyoutPre-qualifyExpand operations, open a new location, or hirePre-qualifyRefinance high-cost debt into one low monthly paymentPre-qualifyBuy or improve owner-occupied commercial real estatePre-qualifyPurchase equipment, machinery, or vehiclesPre-qualifyLong-term working capital for growthPre-qualify
Pre-qualify for SBA 7(a) Soft pull, won’t affect your personal credit.
SBA · GOV-BACKED

SBA Express

Fast, smaller SBA working capital on an expedited timeline.

A streamlined, smaller-dollar SBA loan built for speed. Ideal when you need working capital quickly to seize an opportunity or smooth out cash flow, with far less paperwork than a full 7(a).

Amount
$25K to $150K
Term
Up to 10 years
Rate
Competitive, expedited approval
Timeline
Often funded in days, not weeks
How it works
Apply
Fast review
Funds
Repay to 10 yrs
Minimum eligibility
  • 640+ personal credit
  • 1+ year in business
  • Steady revenue
Use cases · pre-qualify for any
Stock up on inventory ahead of a busy seasonPre-qualifyHire and onboard new staffPre-qualifyFund a marketing or growth pushPre-qualifyBridge a seasonal cash-flow dipPre-qualifyCover short-term working capitalPre-qualifyBuy supplies or small equipmentPre-qualify
Pre-qualify for SBA Express Soft pull, won’t affect your personal credit.
SBA · GOV-BACKED

SBA Growth Loan

Mid-size SBA financing with accelerated processing.

The mid-size SBA loan. It is bigger than Express and faster than a full 7(a). It suits established businesses making a meaningful move: refinancing, an acquisition, real estate, or major equipment.

Amount
$150K to $350K
Term
Up to 25 years
Rate
Bank-grade, priority processing
Timeline
Typically 2 to 4 weeks to funding
How it works
Apply
Priority review
Funds
Repay to 25 yrs
Minimum eligibility
  • 650+ personal credit
  • 2+ years in business
  • Positive cash flow
Use cases · pre-qualify for any
Refinance existing business debt into one paymentPre-qualifyAcquire another businessPre-qualifyBuy commercial real estatePre-qualifyPurchase major equipmentPre-qualifyExpand and modernize operationsPre-qualifyLarger working-capital needsPre-qualify
Pre-qualify for SBA Growth Loan Soft pull, won’t affect your personal credit.
SBA · GOV-BACKED

SBA 504

Own your building or big equipment at fixed, below-market rates.

The SBA loan for long-term fixed assets. With as little as 10% down and a long-term fixed rate, it lets you own the building or heavy equipment your business runs on instead of renting.

Amount
$350K to $5M
Term
Up to 25 years
Rate
Fixed, below-market
Timeline
Typically 4 to 8 weeks to funding
How it works
Apply
Bank + CDC
Fund the asset
Fixed rate, 25 yrs
Funding structure
Only ~10% down, and the bank and SBA/CDC finance the rest
Bank 50% · 50%
SBA/CDC 40% · 40%
You 10% · 10%
Minimum eligibility
  • 680+ personal credit
  • 2+ years in business
  • Owner-occupied (51%+) property
  • ~10% down
Use cases · pre-qualify for any
Purchase an owner-occupied commercial buildingPre-qualifyBuy land for your businessPre-qualifyFinance major or heavy equipmentPre-qualifyRenovate or expand property you ownPre-qualifyRefinance commercial real estate debtPre-qualify
Pre-qualify for SBA 504 Soft pull, won’t affect your personal credit.
SBA · GOV-BACKED

SBA Construction

Ground-up builds and major renovations, with managed construction draws.

Financing for building or heavily renovating owner-occupied commercial property. Funds are released in managed draws as the project hits milestones, then convert into a single long-term, low-rate loan when the build is done.

Amount
$350K to $5M
Term
Up to 25 years
Rate
Managed draws; converts to a long-term loan
Timeline
Draws during build, then a 25-yr term loan
How it works
Apply
Budget + draws
Build
Convert to 25-yr loan
Minimum eligibility
  • 680+ personal credit
  • 2+ years in business
  • Project plan + budget
  • Owner-occupied
Use cases · pre-qualify for any
Build a new facility from the ground upPre-qualifyMajor tenant improvements or build-outsPre-qualifyExpand an existing locationPre-qualifyFund construction with managed drawsPre-qualifyConvert a leased space into one you ownPre-qualify
Pre-qualify for SBA Construction Soft pull, won’t affect your personal credit.

Not sure which SBA program fits?

Answer a few questions and we’ll match you to the right SBA program and lender, and show real terms side by side.

Pre-qualify for SBA Soft pull · about 5 minutes