Government-backed financing with the lowest rates and the longest terms available to a small business — and a process that will test your patience. Worth it when your timeline allows.
SBA is the cheapest capital a small business can get and the slowest to close. It rewards patience and clean books, and punishes an urgent timeline or informal paperwork.
These are the ranges we see across our funding partners in the SBA 7(a) program. Your actual offer depends on your file and is set by the lender, not by us.
| Term | Typical range |
|---|---|
| Amount | $50,000 to $5,000,000 (7(a) program) |
| Term | 10 years working capital, up to 25 years real estate |
| Rate | Prime plus a spread, capped by SBA rules |
| Down payment | 10% or more for acquisitions |
| Collateral | Required where available |
| Guarantee | Personal guarantee from every 20%+ owner |
Ranges are illustrative and are not an offer of credit. An approved lender makes the loan and the SBA guarantees a portion; rates, fees, and terms are set by the lender and disclosed before you sign.
Plan for 60 days. Files with clean, complete documents move faster; nothing moves it under 30.
No — an approved lender lends, and the SBA guarantees a portion. We refer you to lenders in that program.
Often yes, and it is one of the best reasons to pursue SBA. Refinancing high-cost short-term debt into an SBA loan can transform monthly cash flow.
A prior default on a federal loan. After that, unfiled tax returns.
Faster than SBA and still predictable, when you cannot wait 60 days for the lowest rate.
See More →Revolving capital for ongoing operations rather than a single large investment.
See More →Two minutes, no hard credit pull, and a straight answer about whether an SBA loan is worth pursuing for you right now.
Check My Eligibility →