SBA loans are ideal for business owners seeking growth capital with favorable terms. Whether you’re buying equipment, refinancing, or acquiring property, SBA financing helps reduce risk and expand securely.
The Small Business Administration (SBA) partners with lenders to offer loans with better rates and lower down payments. Great for stable businesses looking to expand, invest, or acquire.
Lenders offer better rates because the SBA guarantees part of the loan.
Borrow up to $5 million depending on your business needs.
Use for property, equipment, or refinancing existing debt.
Designed to help small businesses access capital they might otherwise be denied.
Best for companies with 2+ years of operating history.
Need capital to open new locations or launch products?
Ideal for purchasing or refinancing commercial property.
Firms with strong cash flow qualify more easily.
As low as 10% down in some cases.
Credit score of 650+ often required.
Anywhere from 2 to 8 weeks, depending on the lender and loan type.
Most SBA lenders look for 650+, but exceptions exist.
SBA loans are harder to get for startups but possible with strong collateral or personal credit.
7(a) is the most common, flexible option. 504 is best for real estate and fixed assets.