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SBA loans offer lower down payments, longer terms, and competitive rates backed by the U.S. Small Business Administration. As an experienced SBA loan broker, we guide you through the programs, match you with the right SBA-approved lender, and position your application for approval.
The Small Business Administration offers several loan programs, each designed for different business needs and situations.
Up to $5M
The SBA's primary and most flexible loan program for working capital, equipment, real estate, business acquisition, and refinancing.
Terms: Up to 25 years (real estate), 10 years (equipment/working capital)
Up to $5.5M+
Fixed-rate financing specifically for owner-occupied commercial real estate and major equipment purchases. Lower down payments available.
Terms: 10-25 year terms with fixed rates
Up to $500K
Faster approval process for smaller working capital and equipment needs. Revolving lines of credit available.
Terms: Faster turnaround, 7-25 year terms
SBA programs support a wide range of business purposes. Eligibility and terms depend on the specific program and lender.
Purchase owner-occupied property for your business operations
Buy an existing business, franchise, or book of clients
Acquire vehicles, machinery, technology, and business equipment
Fund operations, inventory, payroll, and cash flow needs
Consolidate or refinance existing business debt at better terms
Open new locations, renovate facilities, or fund growth initiatives
SBA eligibility is determined by program requirements and individual lender criteria. While we can't guarantee approval, these are the general factors that determine qualification.
Must operate for profit in the United States or its territories
Must meet SBA small business size standards for your industry (varies by NAICS code)
Owners must have reasonable equity invested in the business
Loan proceeds must be used for legitimate business purposes
Ability to repay from business cash flow, typically 650+ credit score
Must demonstrate inability to obtain conventional financing on reasonable terms