Bigger moves, longer terms, lower rates.
SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders say yes to longer terms and lower rates than conventional credit. They are built for the big steps — acquiring a business, buying out a partner, expanding a facility, or consolidating expensive debt into one sane payment.
Illustrative monthly payments on a $500,000 loan at a representative SBA rate. Estimates only, not an offer — SBA rates and terms follow program guidelines and approval.
Why the SBA guarantee matters to you.
On a conventional loan, the lender carries all the risk — so terms stay short and rates stay defensive. On an SBA loan, the government guarantees a large share of the balance, and that guarantee flows to you as longer terms, lower rates, and smaller down payments than the same borrower would see otherwise.
The trade-off is process. SBA lending has real underwriting: financial statements, tax returns, and a story that holds together. That is where we earn our keep — we package the file, match it to the SBA lender most likely to approve it, and manage the back-and-forth so you can keep running the business while the loan works its way to closing.
Used well, an SBA loan is the cheapest growth capital most small businesses will ever touch. A 25-year term can cut the monthly payment nearly in half versus a 7-year note on the same amount — cash flow that stays in the business every month.
7(a) or 504 — we point you to the right one.
SBA 7(a)
The all-purpose program — up to $5 million for almost any sound business purpose.
- Acquisitions, buyouts, expansion, refinancing
- Working capital and equipment included
- Terms typically 10 years, to 25 for real property
- Variable or fixed rate options
SBA 504
Purpose-built for large, long-lived assets, with a fixed-rate structure and low down payment.
- Heavy machinery and facility projects
- As little as 10% down from the borrower
- Long-term, fixed-rate debenture pricing
- Terms of 10, 20, or 25 years
Scope the deal together
A short conversation tells us which program fits and what the file will need. Applying starts with a soft credit inquiry.
We package and place it
We assemble the financials and business story, then place the file with the SBA lender whose credit box it actually fits.
Underwriting to closing
We quarterback conditions, appraisals, and documentation through to funding — you stay focused on the business.
SBA rewards stronger, patient files.
SBA loans favor businesses with solid financials, tax returns that tell a consistent story, and owners who can wait a few weeks for meaningfully better terms. If the capital is needed this week, or the file is still rebuilding, a faster product is usually the smarter first step — and we will tell you so.
Need capital sooner than SBA timelines allow? Working capital approvals come in hours, not weeks — and some clients bridge with working capital now, then refinance into an SBA loan later.
See Working Capital →Answers before you apply.
How long does an SBA loan take?
Plan on several weeks from application to funding, depending on the program and the deal's complexity. A clean, complete file moves fastest — and packaging the file cleanly is exactly what we do.
What will I need to provide?
Just our short application gets things started. As the file moves, expect to provide business tax returns, financial statements, and a debt schedule; acquisitions add the target's financials. We give you one clear checklist up front.
Do I need perfect credit?
No, but SBA files are stronger with reasonable credit and steady cash flow. If the file isn't SBA-ready yet, we will say so and line up the product that fits today, with SBA as the refinance target later.
7(a) or 504 — how do I choose?
Broadly: 7(a) for flexibility across almost any business purpose, 504 for major fixed assets where a low down payment and long-term fixed rate matter most. We run both against your deal and show you the numbers.
One application. Options that fit.
Apply once and we match you with a dedicated funding professional who manages your deal from application to funding.