SBA Loans

At US Business Funding, we understand the power of SBA Loans in helping business owners access low-cost, long-term financing backed by the Small Business Administration. As noted on our website, SBA loans are ideal for expanding your business, purchasing real estate or equipment, or refinancing existing debt.

We work closely with our clients to determine the best SBA program for their needs typically the SBA 7(a) for working capital and general business use, or the SBA 504 loan for commercial property and equipment. With competitive interest rates, longer repayment periods, and smaller down payments, these loans are structured to support long-term growth and stability.

Our team guides you through the full application process, helping you gather required documentation and meet qualification standards, all while leveraging our strong relationships with SBA-approved lenders. We make SBA funding accessible so you can focus on scaling your business with confidence.

    • Lower interest rates compared to traditional loans

    • Longer repayment terms (up to 25 years)

    • Easier qualification with flexible credit requirements

    • Use funds for working capital, equipment, real estate, or business acquisition

  • Feature Details

    Loan Amount Up to $5,000,000

    Terms 10 to 25 years

    Use of Funds Equipment, Real Estate, Working Capital,

    Debt Refinance

    Time to Funding 2 to 6 weeks

    Credit Re’q Moderate to Good

    (660+ FICO recommended)

    1. Can startups apply?
      Typically, SBA loans are better suited for businesses operating for at least 2 years. Some programs may accept newer businesses with strong financials and a solid business plan.

    2. How long does the approval process take?
      The full process—from application to funding—usually takes 2 to 6 weeks, depending on documentation and loan type.

    3. Is collateral required?
      For larger loans, yes. SBA loans often require business or personal collateral, but exact requirements vary by lender.

    4. Can I refinance existing debt?
      Yes, many SBA loan programs allow debt refinancing under specific terms, especially if it improves your cash flow.

    5. Are SBA loans personally guaranteed?
      Yes, business owners with 20%+ ownership are typically required to sign a personal guarantee.

    6. Can I use SBA loans to buy a franchise?
      Absolutely. Many franchise purchases are funded with SBA loans, especially under the SBA 7(a) program.

    7. What documentation do I need?
      Common documents include personal and business tax returns, financial statements, a business plan, and bank statements.

    8. Are SBA loans available for nonprofits?
      No. SBA loans are only available to for-profit businesses operating in the U.S.

    9. Do I need to be in business for a certain amount of time?
      Generally, at least 2 years of operating history is preferred, though newer businesses may be considered under certain programs.

Person holding a spiral notebook with a sign that reads 'SBA Loans' in large letters