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SBA Loan

The longest terms and smallest monthly payments available.

15 yrsFunding U.S. small business since 2011

8Financing structures under one roof

24 hrsFastest time to funded

Own capitalDirect on our core products

At a glance

The longest runway a small business can get

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

Best suited to: Real estate, acquisitions, major expansion, and refinancing expensive debt.

Monthly payments

Loan amount$50,000 – $5,000,000
RepaymentUp to 10 years; 25 for real estate
Payment scheduleMonthly
TimelineTypically 30 – 90 days to close
ProgramsSBA 7(a) and SBA 504
Issued byParticipating SBA lenders

This product is arranged with participating lenders or funding partners rather than funded from our own balance sheet. We will tell you who the lender is before you proceed.

Apply for SBA Loan Talk to a desk

Modern commercial building exterior on a clear day

What you get

How this works in practice

The longest terms we can arrange, so the smallest monthly payment.
SBA 7(a) for working capital, equipment and acquisitions.
SBA 504 for owner-occupied commercial real estate.
Often used to refinance costlier short-term obligations.
We assemble the package with you and place it with a participating lender.

How it works

Three steps. One desk.

See the full process

Send us the file

A short application and a read-only look at your business bank activity. Ten minutes, no fee, no obligation.

We decide

Our own underwriters review it. On core products the capital is ours, so the answer comes from us — not a panel you never meet.

Sign and get funded

Terms in writing, total cost on the page. Sign electronically and funds move — in as little as 24 hours.

What we look at

Four things. None of them a mystery.

We underwrite on how the business actually trades — time in operation and real revenue moving through the account.

1 year in business

Your business has been trading and generating revenue for at least twelve months.

$180,000 annual revenue

Gross annual revenue of $180,000 or more, evidenced by recent bank statements.

Business bank account

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

U.S.-based operation

Registered and trading in the United States.

Questions

About sba loan

No. SBA loans are issued by participating lenders under programs administered by the U.S. Small Business Administration. We prepare and place the application, and manage the process with you end to end. We are not affiliated with, endorsed by, or an agency of the SBA.

SBA programs require a fuller documentation package and a review set by the agency and the issuing lender. If you need capital this week, an advance or term loan is the better route.

A merchant cash advance, working capital loan or equipment approval can fund in as little as 24 hours. Term loans and lines of credit typically run 48 hours. Commercial real estate runs 30 to 60 days and SBA 30 to 90 — those two involve more documentation and, in the SBA case, a participating lender.

Every product we offer repays monthly except the merchant cash advance, which remits weekly. That is deliberate: weekly remittance is what lets an advance track your sales rather than land as a single monthly charge.

Other structures