SBA LoansGovernment-Backed

Access affordable financing backed by the U.S. Small Business Administration. Lower rates, longer terms, and easier qualification for small businesses.

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Loan Amounts

Up to $5,000,000

APR Range

5.5% - 11.25%

Terms

Up to 25 years

Backed By

U.S. Government

Types of SBA Loans

The SBA offers several loan programs to meet different business needs

SBA 7(a) Loans

The most common SBA loan program. Use for working capital, equipment, real estate, or refinancing.

Amount: Up to $5,000,000

Terms: Up to 25 years

SBA 504 Loans

For major fixed assets like real estate or heavy equipment. Lower down payments required.

Amount: Up to $5,000,000

Terms: 10, 20, or 25 years

SBA Microloans

Smaller loans for startups and newer businesses. Great for inventory or working capital.

Amount: Up to $50,000

Terms: Up to 6 years

Benefits of SBA Loans

Lower interest rates than conventional loans

Longer repayment terms reduce monthly payments

Lower down payment requirements

Government guarantee makes approval easier

Can be used for many business purposes

Build business credit while growing

Basic Requirements

For-profit business operating in the U.S.

Owner has invested equity in the business

Exhausted other financing options

Demonstrate ability to repay the loan

Good character (no recent bankruptcies)

Meet SBA size standards for small business

See If You Qualify for an SBA Loan

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