SBA Loans

SBA loans are made by participating banks and partially guaranteed by the U.S. Small Business Administration. That guarantee helps lenders offer longer repayment terms and lower down payments than many conventional business loans.

Common SBA Programs

• SBA 7(a) — the SBA’s most flexible program, used for working capital, equipment, business acquisitions, refinancing business debt, and owner-occupied real estate.
• SBA 504 — long-term, fixed-rate financing for major fixed assets such as owner-occupied commercial property and heavy equipment, structured with a bank and a Certified Development Company.

How Business Owners Use SBA Financing

• Buying an existing business or a partner’s share
• Purchasing or refinancing owner-occupied commercial property
• Equipment, build-out, and renovation
• Working capital to support growth

What to Expect

SBA loans usually require more documentation than other business financing, including tax returns, financial statements, and a clear use of funds. Owners of 20% or more of the business generally provide a personal guarantee. Rates, terms, and eligibility are set by the lender and SBA program rules.

How We Help

We help you put together a complete, lender-ready package and connect you with SBA lenders active in your industry and loan size, so you don’t have to shop your file bank by bank. Any compensation we receive for an SBA loan referral is disclosed to you on SBA Form 159, and we’re paid by the lender or by you — never both.