Small Business Administration Loans

Continue growing your business with long-term financing backed by the Small Business Administration.
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Small Business Administration Financing

As the only cabinet-level government agency dedicated to supporting American business development, the Small Business Administration (SBA) partners with reputable lending sources to provide an array of financing solutions. These loans provide qualified businesses with flexible funding to expand, refinance current debt, purchase equipment or inventory, acquire commercial real estate and more.

Depending on which Small Business Administration program you qualify for, there may be a longer review process and additional documentation required, but with low interest rates and terms ranging from 1 to 20 years, Small Business Administration financing can help your business reach its full potential. To expedite the approval process, please have your business tax returns for the past three years, prior to applying.

SBA Financing Offers:

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From $5,000 to $5 million in working capital.

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Interest rates as low as 6% APR

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No collateral required for loan amounts below $50,000.

Easy Payments

We make it simple with flexible monthly payments.

Prepayment Initiative

Save on your financing by paying your loan off early! No prepayment penalties here.

Credit Building

Build personal and business credit with on time payment history.


Applying is simple

1. Complete our short application.

Our quick application process only takes a few minutes to complete.

2. Compare competing offers.

Improve your funding odds and compare offers from multiple lenders.

3. Secure and receive funds.

Accept an offer and get funds as quick as the same day!

Apply Now


Minimum Requirements

Time in Business

3+ Years

Personal Credit Score


Annual Business Revenue



Frequently Asked Questions

Does Small Business Administration (SBA) financing require collateral?
Depending on the loan amount, the Small Business Administration (SBA) program, and lender that you qualify with, collateral may be required for loans above $50,000.
How long does it take to get approved by the Small Business Administration?
Some Small Business Administration loans can be facilitated within a couple weeks, while other may take up to three months. However, you may be eligible for additional/alternative financing in the interim.
How do I qualify for Small Business Administration (SBA) financing?
Small Business Administration (SBA) loan eligibility requirements vary according to several factors including time in business, personal credit score, and the debt your business is currently servicing.
Can I consolidate my current loans with Small Business Administration (SBA) financing?
Many Small Business Administration (SBA) loans have a "credit not available elsewhere" requirement, meaning that eligible businesses must have exhausted all non-governmental options to qualify.
What are the additional fees associated with SBA financing?
Fees vary according to the Small Business Administration (SBA) loan you qualify for. Lenders can charge a flat-fee of up to $2,500 on any SBA 7(a) loan, and up to 6% on other SBA products.
How does a Small Business Administration (SBA) loan work?
You apply for a SBA loan through a lender, which partners with them to secure a loan guarantee (guaranteeing that the government will pay the lender if a default occurs). Once approved by both parties, you can receive your loan offer and secure funds within a week.
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Man and woman small business owners

Compare competing offers and get funding for your business today.