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SBA Business Loan Basics
The SBA 7(a) loan is one of several government-backed loans that small, U.S.-based businesses can get from a bank, credit union, or other lending institution. The SBA doesn’t lend this money directly to businesses. Instead, a bank or financial institution provides the loan, and the SBA backs (guarantees) it up to a certain amount.
Uses for the SBA Loan
The SBA loan programs help small business owners get business mortgages for commercial real estate, working capital loans, equipment loans, and much more. Get fast access to capital, amounts up to $5 million, and leverage 85% of the cost of new construction or business-owned commercial real estate.
SBA Loan Terms
SBA loans offer flexible loan amounts, maturity, and rates to fit every situation. Whether you need a small working capital loan or a million-dollar note to build a facility, the SBA loan can help.
Do I Qualify?
Qualification for an SBA loan isn't complicated -- but there are some restrictions based on industry and credit history. Find out if you're eligible for an SBA loan and prepare your business for the best chance of approval by reading up on what it takes to qualify for an SBA 7(a) loan.
Finding a Lender
SBA lenders exist in most U.S. cities. Banks, credit unions, savings & loans companies, and specialized lenders can all operate as SBA 7(a) loan lenders. Like any important decision about your business, it’s smart to shop around for a lender.
Commercial Real Estate Loans
Get the financing you need for commercial real estate through the SBA. Learn about the SBA 7(a) loan for different property types, including owner-occupied real estate, land, and business rental properties.
SBA Loan Glossary and FAQs
Baffled by SBA terminology? Get answers to your specific SBA loan questions in our massive SBA 7(a) loans glossary and FAQs database.
How Much Loan Can You Afford?
Try the SBA loan calculator to see what to expect in terms of interest rates and monthly payments.
Make your business what you want it to be. Get your free quote on an SBA loan now.
A commercial real estate loan is a mortgage loan secured against a commercial property. It’s similar to a typical home loan, except it’s for a commercial property rather than a residential one. Here’s how to get one.