SBA Loans for Small Businesses
Government backed financing options with favorable terms and flexible repayment structures. Whether you need working capital, equipment or real estate financing, SBA programs offer funding solutions designed to support qualified businesses.
Choose Your SBA Program
Select the SBA loan option that fits your business needs.
SBA 7(a) Loans
Most Popular SBA Program
The SBA 7(a) program is the most flexible and widely used SBA loan. It supports a broad range of business needs including working capital, equipment purchases, business acquisitions, renovations, and partner buyouts.
Best Used For
- Working capital
- Expansion projects
- Equipment and inventory
- Business acquisitions
- Partner buyouts
Key Benefits
- Flexible use of funds
- Competitive interest rates
- Longer repayment terms
- Lower down payments
- Supported by SBA guarantee
Why Choose SBA Loans?
Government backed financing provides unique advantages for business owners.
Lower Down Payments
As low as 10 percent compared to conventional loans requiring 20 to 30 percent.
Longer Repayment Terms
Up to 25 years for real estate and 10 years for equipment.
Competitive Interest Rates
Rates are often lower due to SBA guarantees.
SBA Guarantee
Backed by the U.S. Small Business Administration for additional security.
Compare SBA Programs
Side-by-side comparison to help you choose
| Feature | SBA 7(a) | SBA 504 |
|---|---|---|
| Maximum Loan Amount | Up to 5 million | Up to 5.5 million |
| Best Use Cases | Working capital, equipment, expansion, acquisitions | Real estate, equipment, construction |
| Down Payment Required | 10 to 20 percent typically | 10 percent minimum |
| Loan Term Length | Up to 10 years (25 for real estate) | 10, 20, or 25 years fixed |
| Interest Rate Type | Variable or fixed | Fixed for entire term |
| Collateral Requirements | Required on loans over 25,000 | Property serves as collateral |
| Prepayment Penalties | None | Possible in first 10 years |
Application Process
Four simple steps to get your SBA loan approved
Pre-Qualification
Submit basic business information and financial documents for initial review.
Document Preparation
Gather tax returns, financial statements, business plans, and SBA forms.
SBA Review
Lender submits your application for SBA guarantee approval.
Approval & Closing
Receive approval and complete closing to access your funds.
Ready to Apply for Your SBA Loan?
Our SBA loan experts will guide you through every step of the process and help you secure the best financing for your business goals.