SBA loans offer the longest terms and lowest rates of any small business financing. If your business qualifies, it is almost always worth applying. Check your eligibility in 2 minutes no hard credit pull.
Lowest rates available . Up to $10M . No hard credit pull
Loan range
Recommended FICO
Funding timeline
Loan term
Tell us your revenue, time in business, and credit score. We determine which SBA program fits your profile 7(a), 504, or Microloan.
We connect you with an SBA-approved lender from our network. They handle the application process and submit to the SBA on your behalf.
SBA loans take 4–8 weeks from application to funding. The process is longer but the rates and terms are significantly better than any alternative.
Most established small bussinesses qualify. Here is what lenders look for:
Most established small bussinesses qualify. Here is what lenders look for
Check your eligibility in 2 minutes. No hard credit pull.
Check your eligibility in 2 minutes.
No hard credit pull.
3 years minimum
$40,000/month ($500K+ annually)
620+ recommended
Required for loans over $25K
business assets first
Required for owners with 20%+ equity
4–8 weeks from application
$100,000 – $10,000,000
10 years to 25 years
An SBA loan is a business loan partially guaranteed by the US Small Business Administration. Because the government backs a portion of the loan, approved lenders can offer lower rates and longer terms than they otherwise would. You still borrow from a private lender the SBA just reduces their risk.
The SBA 7(a) is the most common program flexible use of funds, up to $10M. The SBA 504 is specifically for purchasing real estate or large equipment, with fixed rates and terms up to 25 years. Most small businesses start with a 7(a).
From application to funding, expect 2 to 4 weeks for a standard 7(a). SBA Express loans (up to $500K) can be approved in 36 hours, though funding still takes several days after approval.
For loans over $25,000, the SBA requires lenders to take available collateral. This is typically business assets first equipment, inventory, real estate. Personal assets may be required if business assets are insufficient.
A 620 FICO may qualify for some SBA programs, particularly Microloans (up to $50K). For standard 7(a) loans, a 680+ score gives you the best approval odds. We show you which programs fit your profile before you apply.
The SBA excludes lenders, passive investment companies, gambling businesses, multi-level marketing companies, and certain nonprofits. Most operating small businesses qualify.
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Faster than SBA funding in days. Fixed monthly payments. Best if you need capital quickly.
Revolving access to funds for ongoing cash flow needs. No fixed repayment schedule.
Finance a specific piece of equipment with the equipment as collateral. Often faster than SBA with competitive rates.
Free · 2 minutes · Soft pull only · 625+ credit score accepted
