Long-Term Loans
Larger amounts spread over years, with gentler monthly payments for investments that pay off over time.
Explore Long-Term Loan
Lowest rates
SBA Loans
Government-backed loans with the most favorable rates and longest terms — and a specialist to guide every form.
Amount range$50K – $5M
Typical termUp to 25 years
Funding speed2–6 weeks
What it is
A closer look at the SBA Loan
SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer the lowest rates and longest repayment terms available — up to 25 years on some programs. They are the gold standard for established businesses making a major, long-horizon investment where every point of interest matters.
The trade-off is a more involved application and a longer timeline, typically two to six weeks. That is where we earn our keep: a dedicated SBA specialist guides you through every form, document, and milestone so the paperwork does not become the obstacle between you and the best financing on the market.
Funding range$50K – $5M
Best for
Is the SBA Loan right for you?
This product tends to be the strongest fit when one of these sounds like your situation.
- Major, long-term investments. Real estate, large equipment, or significant expansion you will repay over many years.
- Rate-sensitive borrowers. Businesses where the lowest possible interest rate justifies a longer process.
- Acquisitions and buyouts. Buying a business or partner stake with patient, affordable capital.
- Refinancing expensive debt. Replacing high-cost balances with the most favorable terms available.
How it works
From application to funding
01 Step 1
Pre-qualify with a specialist
Tell us your goal and we will confirm which SBA program fits and what you will need.
02 Step 2
Assemble the package
Your dedicated specialist helps gather financials, projections, and forms — guided every step.
03 Step 3
Underwriting and approval
We submit a complete, polished package to speed the SBA review along.
04 Step 4
Close and fund
Once approved, you close and receive funds, typically within two to six weeks total.
Eligibility
What you need to qualify
Our requirements are refreshingly simple. Most businesses that meet these baselines are a strong candidate.
- 6+ months in business. A short operating history is enough to get started.
- $15,000+ in monthly revenue. Consistent revenue matters more than perfection.
- 500+ credit score. We look at the whole picture, not just one number.
Checking your options is free and uses a soft inquiry that does not affect your credit score.
Rates & terms
The details
| Detail | SBA Loan |
|---|---|
| Funding range | $50,000 to $5,000,000 |
| Term length | Up to 25 years, depending on use of funds |
| Rates | Among the lowest available, thanks to the SBA guarantee |
| Down payment | Often 10%–20%, depending on the program and use |
| Funding speed | Typically 2 to 6 weeks given the thorough process |
Figures are illustrative and for demonstration only. Actual rates, fees, and terms depend on underwriting and your business profile. Not an offer of credit.
Why owners choose it
The benefits at a glance
Lowest rates we offer
The government guarantee unlocks pricing other products simply cannot match.
Longest terms available
Repayment runways up to 25 years keep payments remarkably low.
A specialist on your side
A dedicated expert handles the famously involved paperwork with you.
Large, patient capital
Up to $5M structured for investments that pay off over the long haul.
Industries that lean on it
Popular with these businesses
See how the SBA Loan fits the way your industry actually runs.
Questions
SBA Loan FAQ
Because the SBA partially guarantees the loan, the application requires more documentation and review. The result is the lowest rates and longest terms we offer — well worth the wait for the right project.
SBA programs favor established businesses with solid credit, and many require some collateral or a down payment. Your specialist will assess your fit before you invest time in the application.
Most SBA loans close within two to six weeks. Having a specialist prepare a complete package upfront is the single biggest factor in keeping it fast.
Common uses include real estate, large equipment, business acquisition, expansion, and refinancing higher-cost debt over a long, affordable term.
Related funding
Other products to consider
Many owners blend two products for the perfect fit. Here are the ones most often paired with this one.
Ready for a sba loan?
Apply in five minutes with no impact to your credit score, and talk to a real advisor today.