Longer terms, lower payments and a government guarantee.
The SBA doesn't lend. It guarantees a share of the loan, which is what lets a bank write terms it would otherwise decline. Cheaper money in exchange for more paperwork and a longer approval process.
7(a) · 504 · Express · Microloans
- No impact on your credit score.
- No application fee.
- Two minutes.
What we're usually asked to fund
SBA money suits the things conventional lending prices badly.
- Buying a business, or buying out a partner
- Owner-occupied space and major equipment
- Refinancing debt onto a longer term
The programs
Which one fits depends on what the money is for. The lender decides; this is where we usually start.
The general-purpose program. Working capital, acquisition, refinancing
Owner-occupied real estate and heavy equipment, on a long fixed term
Smaller amounts, faster turnaround, lighter documentation
Small amounts for newer businesses that banks won't underwrite
Check what your business qualifies for
Four questions about the business, then an instant estimate of what you could qualify for. We work with 400+ screened lenders, including SBA lending partners.
- No impact on your credit score.
- No application fee.
- Two minutes.
Straight answers, before you ask
This industry has a reputation — and earned it. Here's exactly who we are and how this works.
A broker. We find established and regulated lenders who want to work with businesses like yours. We're not a lender and we don't make credit decisions.
Regulated lending partners. They underwrite, they set rates and terms, and they issue every disclosure the law requires.
No application fee. If you choose to work with one of the lenders, they disclose their own terms and fees in the loan breakdown.
Not affected.
Sell your information to a bunch of brokers. Call you from six different numbers. Quote terms our lenders can't stand by.
See who will fund you
Two minutes. No impact on your credit score. No application fee.