SBA Loans for Small Businesses
Access affordable, flexible SBA loan solutions designed to support business expansion, asset acquisition, refinancing, and working capital needs. Our team simplifies the SBA process and helps you secure financing aligned with your long-term objectives.
SBA Loan to Help Your Business with Confidence
SBA loans provide small business owners with access to competitive rates, extended repayment terms, and flexible funding options backed by the U.S. Small Business Administration. Whether you are planning to expand operations, invest in real estate, or strengthen cash flow, SBA loan offers a stable foundation for growth.
Loan Overview
What Are SBA Loans?
SBA loans are government-backed business financing programs offered through approved lenders. The SBA guarantees a portion of the loan, reducing lender risk and enabling more favorable terms for qualified businesses. These loans are commonly used for long-term investments, operational expansion, and refinancing higher-cost debt.
SBA financing is well-suited for businesses seeking structured repayment, lower interest rates, and predictable funding over time.
Key Benefits
Competitive, SBA-backed rates help reduce overall financing costs.
Extended terms support predictable payments and healthier cash flow.
Capital can be applied across operations, expansion, or asset purchases.
Government guarantees expand approval opportunities beyond traditional lending.
Key Qualifications & Eligibility for SBA 7 (A) & SBA 504
Filter unqualified leads early while reinforcing professionalism.
Key Qualifications & Eligibility
Time in Business
2+ years preferred (startups considered with strong financials and industry experience)
Credit Profile
680+ personal credit score required
Profitability & Cash Flow
Two years of profitable operations with consistent cash flow Minimum DSCR typically 1.25x
Required Documentation
- Last 2 years of business tax returns
- Year-to-date Profit & Loss statement and Balance Sheet
- Business debt schedule
- Varies by loan structure and risk profile
- Real estate, equipment, or other business assets may be required
- Personal guarantee required from any owner with 20%+ ownership