SBA Loans
The gold standard of small-business financing — government-backed, with the lowest rates and longest terms available.
What It Is
An overview of sba loans
SBA loans are partially guaranteed by the U.S. Small Business Administration, which dramatically reduces lender risk. That guarantee translates into the lowest rates and the longest repayment terms available anywhere in business finance — frequently up to ten years.
The trade-off has always been paperwork. We exist to remove it: our advisors manage the famously complex SBA application end to end, so you get the premier financing product without the administrative burden.
Best For
When this is the right fit
- Established businesses seeking the lowest possible cost of capital
- Major investments — real estate, expansion, or large equipment
- Refinancing higher-cost debt into a long, low-rate structure
- Owners who want premium terms and don't need cash within hours
How It Works
From application to funded
Pre-qualify with an advisor
We review your business to confirm SBA eligibility and identify the right loan program.
We prepare the package
Our team assembles and manages the full application, financials, and SBA documentation for you.
Underwrite and approve
The lender and SBA review the package; we manage every follow-up on your behalf.
Close and fund
Once approved, you sign and receive capital on the most favorable terms in the market.
Rates & Terms
The numbers, clearly stated
The SBA guarantee unlocks pricing no other product can match. Rates are the lowest we offer and terms the longest, in exchange for a more thorough process.
Eligibility
What you'll need to qualify
Our baseline criteria
Most clients qualify with these guidelines — though they're flexible, not hard cutoffs. Strong performance in one area can offset a shortfall in another.
- At least 6 months in business under current ownership
- $15,000+ in average monthly revenue
- A personal credit score of 500 or above
- A business bank account and the last 3–6 months of statements
Why Choose It
The advantages at a glance
Lowest rates
The government guarantee delivers pricing no conventional product can rival.
Longest terms
Repayment up to 10 years — and 25 for real estate — keeps payments low.
Better approval odds
The SBA guarantee reduces lender risk, improving your chances of a yes.
We handle the paperwork
Our advisors manage the entire complex application from start to finish.
Questions
Frequently asked
Related Funding
Other solutions to consider
Let's match you with the right capital.
Tell us your goal and an advisor will confirm whether sba loans is your ideal structure — usually within the hour.