Financing
SBA Loans
Bank loans partially guaranteed by the U.S. Small Business Administration. The guarantee lets partners offer longer terms and lower rates than they otherwise could — the lowest cost of serious capital most owners will ever access.
Key terms
The facts, up front.
- Approval range
- $50,000 – $5,000,000
- Rate
- Prime + 2% — currently 8.75%
- Term
- Up to 10 yrs (working capital) · 25 yrs (real estate)
- SBA guarantee
- 75% – 90% of the loan
- Speed
- Fast track ~30 days · full 60–90 days
- Credit pull
- Hard pull at formal application
- Typical fit
- 680+ FICO · 2+ years · $10K+/mo revenue
The true cost
Estimate your SBA payment
Move the inputs to see the real numbers. We show total repaid and the effective rate — nothing hidden.
Estimated monthly payment
$12,533
Total repaid
$1,503,921
Total interest
$503,921
APR
8.75%
Illustrative — not an offer. Rates as of September 2, 2026.
A strong fit when
- Acquiring a business or buying out a partner
- Owner-occupied commercial real estate
- Patient, long-horizon growth where the lowest rate matters most
Probably not when
- Money you need this week — the process takes weeks, not days
- Very young businesses without an operating track record
How the process actually works
SBA is the one product where a hard pull happens at formal application. It's worth it for the rate — but only if you can wait. If you can't, we'll say so.
Ways to use it
SBA Loans, five ways.
Business Acquisition
Buy the business — or your partner out.
SBA 7(a) is the standard tool for acquisitions and partner buyouts, with long amortization that keeps payments manageable while the business pays for itself. Fold in owner-occupied real estate and the term can blend or extend to as long as 25 years.
Use
Acquisition · partner buyout
Term
Up to 10 years · up to 25 with real estate
Fast Working Capital
Up to $350K on the fast track.
Loans at or under $350,000 move through an expedited process — SBA pricing without the full 90-day wait.
Amount
Up to $350,000
Speed
~30 days
Commercial Real Estate
Own the building you operate in.
Owner-occupied CRE amortized over as long as 25 years. The classic SBA 504 structure is 50% bank, 40% CDC and 10% down — with the borrower contribution rising to 15% for a business under two years old or a special-purpose property, and 20% when both apply.
Financing
90% – 100%
Term
Up to 25 years
CAPLines
A revolving SBA line for cyclical needs.
SBA's revolving facility for seasonal, contract, or working-capital cycles — up to $5M of flexibility under the SBA umbrella.
Limit
Up to $5,000,000
Structure
Revolving
Often used by
Industries that lean on this.
Questions
SBA Loans, answered.
Learn more
Guides on sba loans.
The Complete Guide to SBA Loans: Requirements, Process & Trade-offs
SBA loans carry the lowest rates in small-business lending — and a process that scares owners off. Here's how it really works and how to maximize approval.
3 min read
SBA 7(a) Loan: The Complete Guide to America's Most Popular Loan
The most popular government-backed product in the U.S., and for good reason. Everything on qualifying, applying, and getting funded.
3 min read
- Rate quoted is the best rate available through our partners at Prime + 2% as of the pricing date shown; your rate may be lower.
- SBA eligibility, guarantee percentage, and terms are set by the SBA and the lending partner.
SBA Loans
See if this is your best option.
One application, and the matching algorithm surfaces every partner built for your profile — so you can see whether this product is truly your best fit.