The best terms in business lending. Up to $5 million, paid back over as many as 25 years, at rates pegged to prime. SBA loans are the financing tool of choice for acquisitions, real estate purchases, and transformational expansion.
An SBA loan isn't a loan from the government — it's a loan from a lender like us, partially guaranteed by the Small Business Administration. That guarantee lets us offer terms that would be impossible on a conventional loan: longer repayment periods, lower rates, and smaller down payments.
We work with both the SBA 7(a) program (the most flexible, up to $5M for working capital, acquisitions, refinancing, or real estate) and the 504 program (specifically for fixed assets like real estate and major equipment, also up to $5M). Our funding advisors will help you figure out which fits.
Government backing means we can offer rates 3–5% below conventional business loans.
Up to 25 years for real estate, 10 for equipment. Lower monthly payments, more cash flow.
As little as $0 down for many deals — up to 10% on larger acquisitions and real estate. Compare that to 25–35% for conventional financing.
Buy a business, buy a building, refinance debt, fund working capital, or all of the above.
SBA loans have the most generous terms, so qualification is more involved than other products. We help you put your best file forward.
If you don't quite check all those boxes, that doesn't necessarily disqualify you — and we have six other products that may fit better. The application is the same regardless of which product makes sense.
SBA loans are the slowest product we offer because of the documentation involved. Most files close in 30–60 days from application to funding. If you need capital faster, ask us about bridge options like our Lines of Credit or Term Loans while your SBA loan is being processed.
No application fee. No impact on your credit. A real conversation about whether SBA is the right tool for what you're trying to do.