SBA Loan Programs
Find the Right SBA Loan for Your Business
The SBA offers several loan programs, each designed for different needs. We help you navigate the options and match you with the right product and lender.
$5M+
Maximum Loan Size
25 yr
Longest Terms Available
10%
Down Payment (as low as)
36 hr
SBA Express Turnaround
SBA 7(a) Standard
Max Amount
Up to $5,000,000
Terms
10–25 years
Best For
Business acquisitions, partner buyouts, working capital, debt refinancing, real estate
- ✓Most versatile SBA loan program
- ✓Real estate terms up to 25 years
- ✓Working capital terms up to 10 years
- ✓Competitive variable or fixed rates
- ✓Up to 90% financing on some transactions
SBA 7(a) Small Loan
Max Amount
Up to $500,000
Terms
10–25 years
Best For
Smaller acquisitions, equipment, leasehold improvements, startup costs
- ✓Streamlined approval process
- ✓Faster turnaround than standard 7(a)
- ✓Same competitive rate structure
- ✓Lower equity injection in many cases
- ✓Ideal for Main Street businesses
SBA 504 Loan
Max Amount
Up to $5,500,000
Terms
10, 20, or 25 years
Best For
Commercial real estate purchases, major equipment, new construction
- ✓Below-market fixed interest rates
- ✓As little as 10% down payment
- ✓CDC/bank partnership structure
- ✓Long-term fixed-rate portion
- ✓Must create or retain jobs
SBA Express
Max Amount
Up to $500,000
Terms
5–25 years
Best For
Working capital, lines of credit, quick-turnaround needs
- ✓36-hour SBA turnaround time
- ✓Revolving lines of credit available
- ✓Less documentation required
- ✓Faster approval process
- ✓Great for established businesses
Not Sure Which Program Fits?
Most borrowers qualify for more than one SBA program. We analyze your deal through our ClearPath Framework and recommend the structure that gives you the best terms, lowest cost, and highest chance of approval.
Program Selection
We match your deal to the right SBA product based on use of proceeds, collateral, and business profile.
Lender Matching
Different lenders have different appetites. We know who's lending on what—and connect you accordingly.
Full Support
From application through closing, we manage the process so you can focus on running your business.
Ready to Explore Your Options?
Tell us about your business and financing needs. We’ll identify the best SBA program and connect you with the right lender.