SBA Loans

What is an SBA Loan?

SBA loans are government-backed financing options designed to help small businesses access affordable funding. The Small Business Administration (SBA) doesn’t lend money directly—instead, they guarantee a portion of loans made by approved lenders, reducing risk and making it easier for businesses to qualify.

Benefits of SBA Loans

• Lower interest rates compared to conventional business loans
• Longer repayment terms (up to 25 years for real estate)
• Lower down payments than traditional financing
• Flexible use of funds for various business purposes

Common Uses

• Working capital and operational expenses
• Equipment purchases
• Real estate acquisition
• Business expansion
• Refinancing existing debt

How to Qualify

To qualify for an SBA loan, your business typically needs to:

1. Be a for-profit business operating in the United States
2. Meet SBA size standards for small businesses
3. Have invested equity (time or money) in the business
4. Have exhausted other financing options first
5. Demonstrate the ability to repay the loan

Application Process

1. Pre-qualification - We review your basic business information
2. Documentation - Gather required documents (tax returns, financial statements)
3. Underwriting - Detailed review and approval process
4. Closing - Sign documents and receive funds

Ready to see if you qualify? Apply now or contact us to speak with a specialist.