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Lowest cost, longest terms

SBA Loans — $50,000 to $5 Million, Terms to 25 Years

An SBA loan is a bank loan that the U.S. Small Business Administration partially guarantees. That guarantee is why the bank will lend longer and cheaper than it otherwise would. It is the lowest-cost money on this page — and the slowest, because a government guarantee comes with a government file.

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Program guidelines

Amount$50,000 – $5,000,000
Term10 – 25 years
Speed30 – 45 days (approval in 48–72 hrs)
Credit675+
Time in business2+ years
Revenue$120,000/yr

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Who this is right for

  • Buying commercial real estate you will occupy
  • Acquiring another business or buying out a partner
  • Refinancing high-cost short-term debt into a 10-year payment
  • Any use where the difference between a 12-month term and a 10-year term decides whether the deal works

How it works

  1. We pre-screen you against the real SBA credit box first, so you do not spend three weeks collecting documents for a no.
  2. Approval decisions on the fast track can come back in 48–72 hours.
  3. Closing and funding takes 30–45 days. Plan for it.
  4. If the timeline does not work, we can bridge you now and refinance into the SBA loan later.

What to watch out for

Every figure on this page is a published program minimum from our lending partner network, not an offer. Your terms come from underwriting.
Straight answers

SBA Loans — straight answers

What credit score do I need for an SBA loan?
675+ FICO is the published floor in our network, with 2+ years in business and at least $120,000 in annual gross sales. Strong collateral or a strong co-borrower can offset a thin file, but the credit bar is real.
How long does an SBA loan really take?
30 to 45 days from complete file to funding is the honest answer. An approval decision can come back in 48–72 hours, which is not the same as money in the bank.
What is the difference between SBA 7(a) and 504?
7(a) is general purpose — working capital, acquisition, refinance, real estate — up to $5 million. 504 is specifically for fixed assets like buildings and heavy equipment, structured as a bank loan plus a CDC loan at a fixed rate.
Can I use an SBA loan to buy a business?
Yes. Business acquisition is one of the most common 7(a) uses. Expect the lender to underwrite the business you are buying at least as hard as they underwrite you.

Compare with

Small Business Loans

Term Loans & Working Capital

Business Line of Credit

Draw only what you need

Equipment Financing

The machine is the collateral

No cost · No obligation

See if you qualify for sba loans

One application, a soft review only, and an honest read on whether this is even the right product for you.

Get Pre-QualifiedSee funding options

Checking your options does not affect your business credit. A soft review only.