What are SBA Loans for Small Business
SBA (Small Business Administration) loans offer government-backed financing with better terms than conventional loans such as extended repayment terms and competitive rates designed to help small businesses access the capital they need to start, grow, and thrive.
Take advantage of larger amounts and longer repayment terms for your next business milestone.
Whether you’re launching a new venture, purchasing real estate, acquiring equipment, or refinancing existing debt, there’s likely an SBA program built for your situation.
Common uses include:
Working Capital – Keep operations running smoothly through seasonal fluctuations, expansion phases, or unexpected cash flow gaps.
Expand & Scale – Open a new location, hire staff, or increase production capacity.
Debt Refinancing – consolidate high-interest debt into a single, manageable SBA loan with better rates and extended terms.
Business Acquisition – Purchase an existing business or franchise with favorable SBA terms and lower down payment requirements.
Equipment & Machinery – Finance the tools, vehicles, and technology your business needs to operate.
Purchase Real Estate – Acquire owner-occupied commercial property and build long-term equity.
SBA 7(a) Loan The flagship program — most versatile Working capital, equipment, real estate, debt refinancing. Up to $5 million with terms up to 10 years for most uses, 25 years for real estate.
SBA 504 Loan Fixed assets & long-term growth Ideal for purchasing commercial real estate or heavy equipment. Fixed below-market rates, up to $5.5 million, 10–25 year terms.
GET FINANCING FOR YOUR BUSINESS NEEDS
Running a business is hard. Financing it shouldn’t be.
Our team is here to help you navigate SBA backed financing options!
Required Documents and Qualifications
- Bank statements
- Business financial statements
- Business debt schedule
- 2 Years business tax returns
- Business formation docs
- Personal Financial Statement
- 675 + FICO
- 2+ Years in business
Finding the right lender on your own can be time consuming and frustrating. Our team understands the SBA requirements to ensure your financing moves along without unnecessary delays.
