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SBA

SBA Loans

Government-backed funding with the best rates and longest terms.

$50,000 – $5,000,000

Typical Amount

5 – 25 years

Typical Term

30 – 90 days

Approval Speed

Established Businesses

Best For

What is SBA Loans?

SBA loans are partially guaranteed by the Small Business Administration, allowing lenders to offer lower rates and longer terms than conventional business loans. While the application process is more involved, SBA loans offer the most favorable terms available to small businesses.

Ideal For

Established Businesses
Real Estate Purchases
Business Acquisitions
Large Expansion Projects
Franchise Purchases

Requirements

2+ years in business
Good personal credit (680+)
Detailed business plan
Financial statements and tax returns
Collateral (for larger loans)

Pros

Lowest interest rates available
Longest repayment terms
Large funding amounts
Government-backed stability
Builds strong business credit

Cons

Lengthy application process
Strict qualification requirements
Extensive documentation needed
Slow funding timeline
Personal guarantee required

Frequently Asked Questions

Can I get an SBA loan with bad credit?

SBA loans typically require a credit score of 680 or higher. If your credit doesn't qualify, our pre-qualification analysis can help you understand what alternative funding options might work while you build your credit.

See If You Qualify for SBA Loans

Upload your bank statements anonymously and get an instant underwriter-grade analysis. No credit pull. No commitment. No one contacts you unless you want them to.