SBA Loans

SBA loans are government-backed financing products where the SBA typically guarantees 80–85% of the loan amount, allowing partner lenders to offer more favorable terms than they otherwise would.

SBA products carry competitive rates and longer repayment terms than most alternative financing options. The trade-off is a longer processing time and more rigorous documentation requirements.

Important Considerations

• Longer turnaround time — plan your timeline accordingly
• Credit score of 680 or above typically required
• Collateral may be required depending on loan amount
• Extensive documentation required upfront

Is an SBA Loan Right for You?

Best suited for established businesses seeking larger amounts of capital at favorable long-term rates who are not under time pressure.