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SBA Term Loans

Up to $5M • Prime + 1-3% • Government Backed

Government-backed financing with competitive rates and favorable terms for business growth and expansion. The gold standard of business financing.

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Up to $5M
Loan Amount
Prime + 1-3%
Interest Rate
85%
Government Guarantee
25 Years
Maximum Term

Why Choose SBA Loans?

SBA loans offer the best terms available for business financing, backed by the U.S. government.

Government Backed

Up to 85% government guarantee reduces lender risk

Low Rates

Prime + 1-3% interest rates, among the lowest available

Lower Down Payment

As little as 10-15% down payment required

Long Terms

Up to 25 years for real estate, 10 years for equipment

SBA Loan Programs

Multiple SBA programs designed to meet different business needs and situations.

SBA 7(a) Loans

Most popular SBA loan program for general business purposes.

  • Up to $5 million
  • Working capital
  • Equipment purchases
  • Business acquisitions
SBA 504 Loans

Fixed-rate financing for real estate and equipment.

  • Real estate purchases
  • Building improvements
  • Fixed interest rates
  • 20-25 year terms
SBA Express Loans

Faster approval process for smaller loan amounts.

  • Up to $500,000
  • 36-hour approval
  • Streamlined process
  • Flexible use of funds

Documents Required

To expedite your SBA loan application process, please prepare the following documentation

Required Documentation Checklist

Having these documents ready will ensure a smooth and efficient application process

Tax Documentation

3 Most Recent Business Tax Returns (complete with all schedules)
3 Most Recent Personal Tax Returns

Financial Statements

6 Most Recent Business Banking Statements (all business accounts)
Current Business Financial Statements (Profit & Loss, Balance Sheet)

Business Documentation

Business Licenses and Permits (current and valid)
Articles of Incorporation or Organization Documents

Debt & Identity Verification

Complete Business Debt Schedule including all current loans, equipment financing amounts, origination dates, payoff dates, and specific interest rates
Driver's License (front and back copies for all business owners)
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Pro Tip

Having all documentation organized and readily available can reduce your SBA loan processing time by up to 50%. Our team will review your documents for completeness before submission to ensure the fastest possible approval.

Start Your SBA Loan Application

Contact our SBA specialists to explore your options and begin the application process.

Speak with a Funding Specialist today

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10 Hanover Sq, NY
Apply for SBA Loan

Free consultation • Government backed • Competitive rates