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What is an SBA Loan?

An SBA loan is a type of small-business loan that can be used to cover your business expenses.
These loans are issued by a private lender but backed up by the U.S Small Business Administration. With that said, an SBA loan application process is thorough and often restrictive.

Best for:

  • Expanding businesses or refinancing debt 

  • Businesses with good credit and are willing
    to wait for funding

The U.S. Small Business Administration (SBA) is an independent government agency offering different loan programs to support entrepreneurs and small businesses. It’s not the SBA who is doing the lending.

Apply for an SBA loan through a private lender. The ideal lender will be able to guide you through a variety of loan programs and recommend the loan term that is most suited to your needs. That lender then applies to the SBA for a loan guarantee. Once qualified for an SBA loan, your lender will be in charge of finalizing the transaction and releasing the loan funds.

How does SBA Loan work?

SBA Loan Programs

  • SBA 7(a) Loan

  • SBA Express Loan

  • SBA 504 Loan

  • SBA Disaster Loan

  • SBA Micro Loan

  • SBA Community Advantage Loan

  • SBA International Loan

  • SBA Export Express Loan

  • SBA Export Working Capital Loan

Pros of SBA Loan

  • Lowest rates on the market 

  • Low fees

  • Borrow as much as $5 million

  • Longer repayment terms 7-25 years

Cons of SBA Loan

  • Long application process 

  • More qualifications required

  • Personal guarantee required

​SBA loan requirements vary based on the lender and the particular loan program. Regardless of your lender or SBA loan program, however, you’ll have to meet a set of standard criteria from the SBA, such as:

  • You must be a for-profit business operating in the U.S.

  • The business owner must have invested equity, such as their own time and money, into the business.

  • You must be able to demonstrate a need for financing and show the business purpose for which you’ll use the funds.

  • You must be a small business as defined by the SBA.

SBA Loans

2. We will review
your application

We review your goals and present you with programs matching your needs, getting an offer in 24 hours.

SBA Loans

3. Receive Funding

Choose the program that fits you best and receive funding within 48 hours.


1. Apply

Fill up application form.



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