Government-backed financing for businesses ready to play the long game. We move fast on a process known for being slow — typical SBA closing times range from 4 to 8 weeks, subject to SBA review and underwriting.
SBA loans deliver the cheapest, longest-dated capital available to small business — when the use case fits. Here's where they shine.
SBA 7(a) loans can fund owner-occupied commercial real estate with up to 25-year terms and as little as 10% down.
7(a) loans up to $5M can fund the full purchase price of a target business — including goodwill — at long-term rates.
Roll merchant cash advances, high-rate term loans, or business credit cards into a 10-year SBA loan with prime-tier pricing.
Build a new facility, fund a multi-year buildout, or finance a transformation that requires patient capital.
Most SBA loans take 90+ days at a generalist bank. We specialize in SBA lending and typically close files in 30 to 60 days, subject to SBA review and underwriting.
We screen your file against SBA program eligibility before underwriting begins. If the deal won't fit, you'll know on day one.
Full underwriting + SBA submission. We manage document collection so your team doesn't drown in requests.
Typical SBA funding timelines range from 30 to 60 days from application, subject to SBA review and underwriting — versus 90+ days at most generalist banks.
SBA underwriting is more rigorous than commercial term lending. Here's the floor — clear all four and you've got a fundable file.
SBA requires demonstrated operating history. We typically require two complete tax-year cycles.
Net income or strong adjusted EBITDA on the last two tax returns. Add-backs are allowed and we know how to package them.
SBA loans favor stronger credit profiles. 680 is the typical floor; 700+ unlocks the strongest pricing.
The SBA requires equity injection on acquisition and real estate deals — typically 10% from the borrower or seller financing.
The questions our SBA borrowers ask most. If we missed yours, call us — we don't gatekeep information.
Working capital, business acquisition, partner buyouts, equipment, owner-occupied commercial real estate, and refinancing of higher-cost debt. Maximum loan size is $5M; terms run up to 10 years for general use and up to 25 years for real estate.
For working capital and refinance, often no. For business acquisition and commercial real estate, yes — typically 10% from borrower equity, though seller carry-back can count.
Yes. The SBA requires a personal guarantee from any owner with 20% or more of the business. There's no way around it.
Because most banks treat SBA as a sideline. We specialize in SBA lending, so document requests come in batches, not drips, and underwriting moves in parallel.
An SBA loan isn't always the right fit — the timeline and documentation aren't for every situation. Here's the rest of our menu.
Fixed amount, fixed schedule. The cleanest way to fund a defined project — equipment, expansion, or acquisition.
Draw what you need, when you need it. Pay interest only on what you use. Built for cash flow gaps and opportunity capital.
Fund the machinery, vehicles, or technology you need. The equipment itself secures the loan — so qualifying is easier.
Turn unpaid invoices into working capital. Get up to 90% upfront on receivables, without taking on new debt.
No fees. No hard pull. No commitment. Direct underwriting, real terms.
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