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SBA Loans

Government-backed financing with the lowest rates available to small businesses. We connect you with SBA-approved lenders for 7(a), 504, and Express programs.

How It Works

Government-Backed,
Best Rates Available

SBA loans are partially guaranteed by the U.S. Small Business Administration, enabling lenders to offer lower rates and longer terms than any conventional loan product. The application process is more rigorous, but the terms — including rates starting near prime — make it the gold standard for qualified businesses.

Who Qualifies?

  • 2+ years in business (preferred)
  • 680+ personal credit score
  • U.S.-based for-profit business
  • Demonstrated ability to repay
  • No recent bankruptcies or federal tax liens
Best For
Creditworthy businesses planning long-term investments
SBA loans are best for businesses that have time to plan — the process takes weeks, not days. The payoff: rates and terms you will not find anywhere else. Real estate, major equipment, acquisitions, and business buyouts are ideal use cases.
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Product Specifications
Funding Amount$50,000 – $5,000,000
Interest RateFrom Prime + 2.75%
Term LengthUp to 25 Years
Programs7(a), 504, Express
Funding Speed2 – 8 Weeks
Min. Credit Score680+
Min. Time in Business24 Months
CollateralOften Required
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Compare to Other Funding Options

See side-by-side comparisons to help pick the right product for your situation.

Ready to Get Your Best Offer?

No cost to apply. No obligation to accept. Decisions typically within hours.

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No hard credit pull multiple programs competing Free to apply