Learn more
SBA Loans
We help you navigate SBA loan programs — government-backed financing that typically offers competitive rates and longer repayment terms than conventional loans, in exchange for a more involved application process.
A loan from a normal lender that the U.S. Small Business Administration partly guarantees, which lets the lender offer longer terms and lower rates than they otherwise could.
Apply NowWho it's for
Established small businesses that can wait for funding in exchange for markedly cheaper money — for property, acquisition, equipment or working capital.
How it works
- 1You apply through a lender, not through the SBA itself.
- 2The SBA guarantees a share of the loan, reducing the lender's risk.
- 3That guarantee buys you a longer term — often 10 years, up to 25 for real estate — and a lower rate.
- 4Paperwork is heavier and funding is slower, commonly 30 to 90 days.
What to watch out for
SBA money is the cheapest most small businesses can get, but it is not fast. If you need funds this week, this is the wrong door — start here only when you can wait.
At a glance
- ●Government-backed, competitive rates
- ●Longer terms than conventional financing
- ●More documentation required than other products
- ●We guide you through the full process
Common questions
Does the SBA lend me the money?
No. A bank or approved lender lends it; the SBA only guarantees part of it. You deal with the lender throughout.
Do I need to put anything down?
Usually yes — commonly around 10% for an acquisition or property purchase, though it varies by programme and lender.