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    US Federal Programs

    SBA Loans

    The US Small Business Administration establishes requirements for several loan programs delivered through participating lenders. Apply For Financing does not administer an SBA program. Eligibility, uses, amounts, rates, fees and timing depend on current program rules and the participating lender.

    Quick Facts

    Loan Amount

    Program-specific - Program-specific

    Rate / Cost

    Varies

    Funding Time

    Varies

    Term Length

    Program-specific

    Key Benefits

    • Several SBA program types
    • Participating lenders make credit decisions
    • Program-specific eligible uses
    • Terms subject to current SBA rules
    • Additional documentation may be required

    Requirements

    • Current SBA program eligibility
    • Participating-lender credit review
    • Business financial documents
    • Eligible business and use of proceeds
    • Program-specific requirements may apply

    Ideal For

    Business expansion
    Commercial real estate purchase
    Major equipment acquisitions
    Refinancing existing debt
    Franchise purchases

    Frequently Asked Questions

    The most common are SBA 7(a) loans (general purpose), SBA 504 loans (real estate and equipment), and SBA microloans (smaller amounts for startups).

    SBA programs and participating lenders may require additional eligibility checks and documentation. Timing varies by program, lender and applicant; confirm the current process with the participating lender.

    SBA loans can be used for working capital, equipment, real estate, inventory, debt refinancing, and most legitimate business purposes.

    Have more questions? Visit our full FAQ page or contact us.

    Explore Other Financing Options

    Unsecured Working Capital

    Explore short-term business financing that may not require specific business assets as collateral. Eligibility and repayment terms vary by financing partner.

    Learn More

    Equipment Financing

    Explore financing for eligible business equipment such as vehicles, machinery or technology. Eligible assets and terms vary by financing partner.

    Learn More

    Business Lines of Credit

    Explore revolving business credit that can be drawn when needed, subject to a partner's approval, fees and account terms.

    Learn More

    Explore Business Financing Options

    Tell us about your business and financing needs. We may introduce your request to a third-party financing partner for review.

    Business financing only
    No guaranteed approval
    Terms set by the lender