SBA Government Program Loans

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SBA 7(a) Loans

Government-backed financing with long terms and competitive rates.

SBA 7(a) Loans are one of the most widely used financing solutions for small businesses in the U.S. Supported by the Small Business Administration, these loans offer favorable terms and lower interest rates compared to many traditional options.

They’re designed to help businesses access substantial funding for growth, expansion, or operational needs.

How it works

Issued by approved SBA lenders
Partially guaranteed by the SBA
Businesses must meet SBA eligibility requirements
SBA review typically takes 5–10 business days
Funding amounts available up to $5,000,000
Terms up to 25 years for real estate
Terms up to 10 years for equipment or working capital

What determines your terms

Market Prime Rate (MPR)
Loan size and repayment term
Time in business
Credit profile
Profitability and existing debt obligations

Required documentation

Business application and ownership details
Financial statements
Balance sheet and profit & loss reports
Financial projections
Loan application history
Business and personal tax returns
Additional supporting documentation if required

Key questions

What will the funding be used for?
How quickly do you need access to capital?
Do you currently have business debt?
How will the loan support business growth?

Good to know

Long repayment terms help reduce monthly payments
Typically lower rates than alternative financing
No prepayment penalties in most cases
Can be used for working capital, expansion, inventory, or equipment
Additional SBA programs may be available depending on your needs