SBA Loans
Favorable terms. Longer maturities. Government-guaranteed capital.
SBA loans offer some of the most competitive rates and terms available to small business owners. Backed by the U.S. Small Business Administration, these loans give lenders the confidence to fund your growth — even when traditional financing falls short.
Loan Amount
$50K – $5M
Term
Up to 25 years
Why Choose This Product
Built for Your Business
Up to 85% Guaranteed
The SBA backs up to 85% on loans under $150K and up to 75% on larger 7(a) loans — giving lenders confidence to approve businesses that traditional banks might decline.
Rates from ~9.75% APR
SBA loans are rate-capped by program. Current rates start at Prime + 2.25% for larger loans — among the lowest available.
Up to 25-Year Terms
Long repayment periods keep monthly payments low so you can invest cash back into the business.
Multiple Programs
7(a) for general use, 504 for real estate and equipment, Express for speed — we match you with the right program.
Rate Guide
SBA Loans — Current Rates
Rates are estimates based on the current WSJ Prime Rate (7%). Your actual rate depends on loan amount, term, lender, and creditworthiness. Updated September 2026.
| Program | Max Term | Rate Range | Est. APR | Collateral |
|---|---|---|---|---|
| SBA 7(a) Express — Up to $350K | 10 years | Prime + 2.75%–5.5% | ~9.75%–12.25% | None required |
| SBA 7(a) Standard — Up to $5M | 10–25 years | Prime + 2.25%–2.75% | ~9.0%–9.75% | May apply |
| SBA 504 — Equipment | 10 years fixed | ~6.5% fixed | ~6.5% | Equipment |
| SBA 504 — Real Estate | 20–25 years fixed | ~6.2% fixed | ~6.2% | Property |
Eligibility
Do you qualify?
Not sure if you qualify?
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Common questions
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