SBA Loans

Current step:Funds Required
Your Information

Helping 3,000+ Businesses Grow with Trusted Capital Solutions

What Are the Requirements to Qualify for
SBA Loans?

2+ Years in
Business

$500,000+ in Annual Revenue

685+ Credit
Score

Ownership of a Profitable Business

What is a SBA loans?

An SBA business loan, backed by the Small Business Administration, provides businesses with working capital to achieve goals like expansion, purchasing or upgrading equipment, acquiring real estate, or refinancing existing agreements.

SBA loans are highly desirable for small business owners due to their lower interest rates and longer repayment terms. This makes them an excellent option for securing necessary funding while minimizing disruptions to your cash flow. Many business owners prioritize SBA loans before exploring other financing options.

What Are the Requirements to Qualify?

Complete our quick and hassle-free application process in just minutes! Upload your business documents securely with zero risk and enjoy peace of mind knowing your information is safe.

Our streamlined system ensures a smooth experience, so you can focus on what matters most—growing your business.

Apply Now

Easily compare your offers with personalized guidance from our expert team. We’ll work closely with you to analyze each option, considering your unique needs and goals. With our support, you can confidently select the best offer tailored to your specific circumstances.

Whether you’re looking for flexibility, savings, or long-term benefits, we’re here to ensure you make the most informed and strategic decision for your success.

Apply Now

With your funds in hand, you’ll be empowered to seize new opportunities, overcome challenges, and drive your goals forward with confidence. Whether it’s expanding your business, investing in growth, or managing unexpected hurdles, you’ll have the financial freedom to take charge of your future.

No matter the obstacles, you can confidently make strategic decisions, unlock your full potential, and turn your aspirations into reality. Your success begins with the right financial support, and we’re here to help you every step of the way.

Apply Now

Access the Lowest Rates, Longest Terms, and Highest
Funding Amounts to meet your goals with ease.

Funding Amount

Secure the Highest Funding Amounts to fuel your growth and achieve your ambitions effortlessly.

Repayment

Enjoy flexible repayment options tailored to fit your budget and timeline, making it easier to stay on track while achieving your goals.

Time to Fund

Get funded fast! Enjoy a quick and efficient process, with funding delivered in as little as 24 to 48 hours.

Resources & Frequently Asked Questions

SBA microloans are the easiest to qualify for among SBA loan products. They typically have minimal credit score requirements, with a FICO score of 575 being the average. However, lenders may require collateral or a personal guarantee.

To qualify, your business must be for-profit and in “good character,” meaning the owner cannot have a criminal record involving dishonest crimes, such as fraud, burglary, or theft. This makes SBA microloans accessible to newer or smaller businesses needing funding.

SBA loans don’t impact your credit in the same way traditional loans might. Instead of a hard credit inquiry, the SBA uses the FICO Small Business Scoring Service to assess eligibility, which doesn’t harm your credit score.

Additionally, personally guaranteeing an SBA loan typically doesn’t appear on your personal credit report unless you default on the loan, providing further protection to your personal credit.

SBA loans offer flexibility and can be used for many business purposes, such as:

  • Purchasing land, inventory, or raw materials
  • Covering payroll and working capital
  • Improving or constructing property (up to two buildings)
  • Buying equipment

However, there are restrictions. SBA loans cannot be used for:

  • Investment real estate (for resale or lease)
  • Refinancing debt that poses a risk to the SBA
  • Paying delinquent taxes
  • Relocating in a way that significantly increases unemployment in the current community

These guidelines ensure that SBA loans are used responsibly to foster business growth and stability.

The maximum amount for most SBA loans is $5 million, but certain exceptions allow businesses to secure more funding. For example:

SBA 504 Loans: Energy-efficient or manufacturing projects can qualify for multiple 504 loans, with a cap of $5.5 million per loan, making it possible to borrow up to $16.5 million in total.

These higher limits are designed to support businesses with substantial capital needs, particularly in sustainable or manufacturing industries.

Effortless Application Process

Apply Online Now

Our simple and straightforward application process takes just seconds to complete, giving you instant pre-approval.

Review Your Options

Your dedicated loan advisor will guide you through the available financing options tailored to your business needs.

Receive Your Funds Quickly

Complete the online application process and get your funds in as little as 24 hours.

Ready to growth your business?

Grow your business with fast funding, flexible solutions, and expert support tailored to help you achieve your goals quickly and effectively.