An SBA loan is a small business loan that’s partially guaranteed by the U.S. Small Business Administration (SBA) and issued by a participating lenders. The SBA doesn’t lend money directly—instead, it provides a government guarantee that reduces the lender’s risk, making it easier for small businesses to qualify for financing.

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SBA loans are designed to help small businesses start, grow, or expand by offering benefits like:

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• Lower down payments

• Longer repayment terms

• Flexible use of funds

• Competitive interest rates

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The most popular SBA loan program is the SBA 7(a) loan, which can be used for a wide range of purposes including business acquisitions, working capital, real estate, equipment purchases, or refinancing existing debt.

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SBA Express

BEST USES

Quick access to working capital, equipment purchase, inventory, debt refinancing, & more.

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QUALIFYING BUSINESSES

Most For-Profit Small Businesses that meet SBA size standards

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LOAN PARAMETERS

Up to $500,000

Up to 50% SBA Guarantee

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TERMS

Up to 7 Years for Lines of Credit

Up to 10 Years for Equipment & Working Capital​​​

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SBA 7(a) Loan

BEST USES

Business Acquisitions, Buy-Outs, Expansions, Real Estate Purchase or Renovation, Equipment & Inventory, Refinancing Existing Debt

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QUALIFYING BUSINESSES

For-Profit. Nationwide. Operating in the U.S.

Net Worth < $20 million and 2-Yr. Avg. Net Income < $6.5 million

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LOAN PARAMETERS

Up to $5 Million

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TERMS 

25 Years (Commercial Real Estate)

10 Years (Other Purposes)​​

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SBA 504 Loan

BEST USES

Owner-Occupied CRE Purchase, Land or Building Acquisition, Ground-Up Construction or Major Renovations, or Equipment Purchase with Useful Life of 10+ Years

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QUALIFYING BUSINESSES

For-Profit. Nationwide

Net worth below $20 million and net income below $6.5 million.

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LOAN PARAMETERS

~$5.5 Million from the SBA Portion

Upwards to $15 Million Total Project Cost

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TERMS 

25 Years (Commercial Real Estate)

10 Years (Machinery & Equipment)​​

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SBA International Trade

BEST USES

Export Expansion, Export-Related Working Capital, Debt Refinancing for International Trade Operations

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QUALIFYING BUSINESSES

Small Businesses engaged in International Trade or negatively impacted foreign competition

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LOAN PARAMETERS

Up to $5 Million

Up to 90% SBA Guarantee

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TERMS

Up to 10 Years for Equipment & Working Capital

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