SBA Loans
Government-backed financing with favorable terms to help small businesses purchase commercial real estate, equipment, or fund operations.
SBA loans are partially guaranteed by the Small Business Administration, making them one of the most affordable and accessible financing options for small business owners. These loans offer lower down payments, longer repayment terms, and competitive interest rates compared to conventional commercial loans.
Key Benefits of SBA Loans
Low Down Payment
Qualify with as little as 10% down payment, preserving your working capital for business operations.
Favorable Rates
Access competitive interest rates backed by the federal government's guarantee.
Government Backed
SBA guarantee reduces lender risk, making approval easier for qualifying small businesses.
Long Terms
Benefit from repayment terms up to 25 years for real estate and 10 years for equipment.
Popular SBA Loan Programs:
- SBA 504 Loan: Ideal for purchasing commercial real estate or major equipment with low down payments
- SBA 7(a) Loan: Versatile financing for working capital, equipment, or real estate acquisition
- SBA Express: Streamlined process for loans up to $500,000 with faster approval
- SBA Microloan: Small loans up to $50,000 for startups and emerging businesses
SBA loans require detailed financial documentation and typically take longer to process than conventional loans. However, the favorable terms and lower down payment requirements make them worth the effort for qualifying small businesses.