SBA Loans

Access government-backed financing with competitive rates, longer terms, and lower down payments. Perfect for established businesses looking for substantial capital.

Apply Now (347) 545-1045

$50k - $5mm

Loan Amount

Up to 25 years

Repayment Terms

10% Down

Minimum Down Payment

SBA Loan Programs

SBA 7(a) Loan

The most popular SBA loan for general business purposes including working capital, equipment, and real estate.

Up to $5 million
10-25 year terms
Flexible use of funds

SBA 504 Loan

Fixed-rate financing for major assets like commercial real estate and large equipment purchases.

Up to $5.5 million
20-25 year terms
Low down payment

SBA Express

Fast-track SBA financing with expedited approval for smaller loan amounts up to $500,000.

Up to $500,000
36-hour response
Revolving line option

Key Benefits

Lower Down Payments

As low as 10% down payment versus 20-30% for conventional loans, preserving working capital.

Competitive Interest Rates

Government guarantee allows lenders to offer more favorable rates than conventional financing.

Longer Repayment Terms

Terms up to 25 years for real estate and 10 years for equipment keep monthly payments affordable.

Flexible Use of Funds

Finance working capital, equipment, inventory, real estate, acquisitions, and debt refinancing.

Easier Qualification

Government backing makes lenders more willing to approve businesses that might not qualify conventionally.

No Prepayment Penalty

Pay off your loan early without penalties if your business cash flow allows.

Qualification Requirements

For-Profit Business: Must be an operating for-profit business in the U.S.
Size Standards: Meet SBA size requirements for your industry
Credit Score: Personal credit score of 680+ required
Time in Business: Minimum 2 years of operating history
Demonstrated Need: Unable to obtain credit on reasonable terms elsewhere
Documentation: Comprehensive financial statements, tax returns, business plan, and projections