SBA · Financing
Arranged via partnersSBA loans — the longest terms, arranged through our partners
Government-backed 7(a), 504 and Express financing. The best terms in small-business lending, for established businesses that can wait out the process.
- Amount
- $50k – $5M
- Funded in
- 30 – 90 days
- Term
- 10 – 25 years
- Priced as
- Prime plus a spread, capped by the SBA
- Min. trading
- 2 years trading
Illustrative ranges. Your actual amount, rate and term depend on your business and are set when you apply.
What a SBA Loan is
SBA loans are government-backed business loans — 7(a), 504 and Express — arranged through our partner lender network. The SBA guarantee lets lenders offer the longest terms and lowest rates available to small business.
The trade-off is time and paperwork: the process is measured in weeks to months, not days, and the documentation is genuinely heavy. For an established business that can wait, the terms are worth it. We prepare and package the file so it moves as cleanly as possible.
How it works
- 1Pre-qualify first
We review your trading history and tax returns to confirm fit before you invest the time.
- 2We package the file
The SBA paperwork is prepared and submitted through a partner lender.
- 3Funding on long terms
10 to 25 years at prime plus a capped spread, once approved.
Who it is a fit for
Established businesses that can wait, in exchange for the longest terms and lowest rates available.
The paperwork is genuinely heavy and the timeline is measured in months, not days. Worth it only if you can wait.
What you will need
The full checklist is built from your answers in the application — you are never asked for a document that does not apply to you. For a SBA Loan, the document that does the work is: Three years of business and personal tax returns. Most files are complete with around 14 documents in total.