Whether you're launching your first business or scaling to the next level, our SBA loan programs provide the capital and support you need. With lower rates and longer terms than traditional loans, SBA options are perfect for startups, acquisitions, equipment, real estate, and working capital.
✔ SBA 7(a), 504, and Microloans
✔ Loan amounts from $50K to $5M+
✔ Rates as low as Prime +2.75% (based on credit and use)
✔ Terms up to 10–25 years
✔ Use funds for real estate, equipment, payroll, inventory, or refinancing
✔ Available for new and existing businesses
✔ We help package and guide your full SBA application
Let’s make your business bankable.
Must be a U.S.-based business
✅ 2+ years in business OR strong business plan
✅ 650+ credit preferred (some programs lower)
✅ No recent bankruptcies or tax liens
How long does SBA loan approval take?
Approval timelines vary depending on the loan type. SBA 7(a) loans typically take 7–15 business days after submission, while larger deals may take 30+ days. Pre-qualification can happen in 24–48 hours
Can I use SBA funds to buy a business or franchise?
Yes! SBA 7(a) loans are commonly used to buy existing businesses or franchise locations. We’ll help you present your purchase plan to meet SBA guidelines.
What credit score do I need?
Typically 650+ is preferred, but we can work with scores as low as 600 depending on the deal. A strong business profile and collateral help offset lower scores
Can I apply with a new business or startup?
Yes — especially with strong industry experience, a business plan, and some capital reserves. Startups typically qualify under microloan programs or 7(a) with a guarantor
Can I use SBA funds to refinance high-interest debt?
Yes. SBA 7(a) loans can be used to refinance business credit cards, merchant cash advances, or other short-term debt into longer-term, lower-rate payments.
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