Government-Backed
SBA LOANS

SBA Loans

SBA 7(a) and 504 loans up to $5M with the lowest interest rates in small business lending. Government-backed, long terms, and expert guidance throughout.

Loan Amount
Up to $5M
Starting Rate
~6.5% APR
Term
Up to 25 years
Loan Amount
Up to $5M
Starting Rate
~6.5% APR
Term
Up to 25 years
Guarantee
75–90% SBA
— PROCESS —

How it works

Step 1

SBA 7(a) — General purpose

The most common SBA program. Up to $5M for working capital, equipment, real estate, acquisitions, and refinancing. Fixed and variable rate options.
Step 2

SBA 504 — Real estate & equipment

Long-term fixed-rate financing up to $5.5M specifically for commercial real estate purchase and major equipment. Lowest rates available.
Step 3

SBA Express — Fast track

Expedited SBA program up to $500K with approval in as little as 36 hours. Lower guarantee rate (50%) but significantly faster timeline.
— ADVANTAGES —

Why this product works for you

  • Lowest rates in small business lending
    SBA-backed loans offer the best interest rates available to small businesses — often 2–4% lower than conventional business loans.
  • Long repayment terms
    Up to 10 years for working capital, 25 years for real estate — spreading payments over time to maximize cash flow.
  • SBA Preferred Lender access
    We route your application to SBA Preferred Lenders (PLP designation) who can approve internally — cutting timeline by weeks.
  • Expert navigation
    SBA applications are complex. Our specialists prepare your package to maximize approval odds and minimize back-and-forth.

Ideal for businesses with

  • 2+ years in business
  • 650+ personal credit score
  • $250K+ annual revenue
  • DSCR of 1.25× or higher
  • No federal tax liens or prior SBA defaults
Speed
30–60 days
Term
Up to 25 yrs

The lowest rates in small business lending

Government-backed SBA loans up to $5M. Start with a free eligibility check.

Check eligibility