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SBA Loan

The longest terms and lowest payments available — worth the wait.

U.S.-based advisorsOne person, start to finish

Closes in 30 – 90 daysThe SBA timeline, stated up front

Transparent termsTotal cost shown before you sign

12+ years in businessFunding U.S. small businesses since 2014

At a glance

The longest terms available to a small business

Loans issued under U.S. Small Business Administration guaranty programs. The paperwork is heavier and the timeline is longer, but nothing else stretches a payment this far.

Best suited to: Real estate, acquisitions, major expansion, and refinancing expensive short-term obligations.

Amount$50,000 – $5,000,000
RepaymentUp to 10 years; 25 years for real estate
TimelineTypically 30 – 90 days to close
Payment scheduleMonthly
ProgramsSBA 7(a) and SBA 504
GuarantyPartially guaranteed by the SBA

Apply for SBA Loan Talk to an advisor

Group of business colleagues in discussion around a table in a bright office

What you get

How this option works in practice

The longest repayment terms we offer, which means the smallest payments.
SBA 7(a) for working capital, equipment and acquisitions.
SBA 504 for owner-occupied commercial real estate and major fixed assets.
Frequently used to refinance costlier short-term obligations into one long term.
An advisor assembles the document package with you, start to finish.

How it works

Three steps, one advisor, no runaround

See the full process

Tell us about your business

A short application — business details, what the funds are for, and a connection to your business bank account so we can see real revenue. Most owners finish in under ten minutes.

Talk to a real advisor

A U.S.-based advisor reviews your file and calls you. They walk you through which of the five options fit, what each one actually costs, and which they’d pick in your position.

Sign and get funded

Choose your option and sign electronically. On most approved applications funds are on the way the same business day.

What we look at

Four things, and none of them are a mystery

We look at how your business actually performs — time in operation and real revenue in the bank — not at a number on a report.

12 years in business

Your business has been operating and generating revenue for at least twelve years.

$100,000 annual revenue

Gross annual revenue of $100,000 or more, evidenced by your recent bank statements.

Business checking account

An active business bank account in the legal name of the company.

U.S.-based operation

Your business is registered and operating in the United States.

Questions

About sba loan

SBA programs require a fuller documentation package and a review process set by the agency and the issuing lender. If you need funds this week, a term loan or line of credit is the better route; if you can plan 30 to 90 days ahead, an SBA loan usually carries the lowest payment.

SBA 7(a) is the general-purpose program — working capital, equipment, acquisitions, refinancing. SBA 504 is purpose-built for owner-occupied commercial real estate and heavy fixed assets, and is structured through a Certified Development Company.

For a line of credit, term loan, merchant cash advance or equipment financing, most approved applications are funded within 24 hours, and many the same business day. SBA loans are the exception — those run 30 to 90 days because of the documentation and review the programs require.

Nothing. There is no application fee and no obligation to accept anything you are offered. You will see the complete cost of capital before you sign a funding agreement.

Four things: at least twelve years in business, $100,000 or more in gross annual revenue, an active business checking account in your company’s name, and a U.S.-based operation. Your advisor will tell you exactly which products fit.

Other options