SBA Loans

SBA loans are government-backed, offering lower interest rates and more generous repayment terms than conventional loans.

BBB Accredited Business Seal with A+ Rating

Start Your SBA Application

Contact Information (Step 1 of 2)
Financing Details (Step 2 of 2)

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Submitting this form will not affect your credit score. ¹

Up to $5.5M​+

Financing Amount 2

Low as 6.5%

Interest Rate 3

30-60 Days​

Fastest Funding

1st Capital Financial Is Your One-Stop Shop for SBA Loans

Our SBA specialists, underwriting, and closing teams ensure your application is processed efficiently with a higher likelihood of approval.

Competitive Rates

SBA loans are subject to predefined maximum rates, making the interest more affordable.

Flexible Repayment

Repayment schedules range from five to 25 years, providing a lot of flexibility for borrowers.

SBA-Guaranteed

SBA loans are partially guaranteed, reducing lenders' risk and increasing approvals.
Overview of SBA Loans

What Are SBA Loans?

SBA Loans are partially guaranteed by the U.S. Small Business Administration (SBA), with lower interest rates and more flexible terms than conventional loans.

At A Glance

Wide Variety of Business Purposes
Lower Cost of Capital Than Most Other Options
Flexible Repayment Terms
Repayment terms are up to 10 or 25 years.

SBA loans are suitable for most business purposes.

Use Cases

Buy, Renovate, or Expand Real Estate
Acquire a New Business
Secure Working Capital
Refinance Existing Debt and More
Use Cases for SBA Loans

What Can SBA Loans Be Used For?

Types, Features, and Benefits of SBA Loans

Types of SBA Loans We Offer

SBA 7(a) Loan

The SBA 7(a) Loan program is an excellent option for purchasing real estate or a business, buying out a partner, consolidating high-interest debt, paying for inventory, and more.
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Key Features

Up to $5 Million

Financing Amount

10 or 25 Years

Repayment Term

1-2 Weeks

Approval Time

SBA Express Loan

The SBA Express Loan Program is a great option for smaller loan amounts with expedited processing, quicker access to funds, and similar use of proceeds to the standard 7(a).

Key Features

Up to $500K

Financing Amount

Up to 25 Years

Repayment Term

As Little As 48 Hours

Approval Time

SBA 504 Loan

The SBA 504 Loan program is preferred by businesses seeking long-term, fixed-rate financing for real estate, construction or renovations, equipment, and more.

Key Features

Up to $5.5 Million+

Financing Amount

10, 20, or 25 Years

Repayment Term

1-2 Weeks

Approval Time

Requirements for SBA Loans

Is an SBA Loan Right for You?

Lenders’ SBA loan requirements will vary, but the following are the minimum criteria across all programs.

Minimum Criteria

Satisfy the SBA's Definition of a Small Business
Own a For-Profit Business in the U.S.
Must be a Corporation, LLC, Partnership, or Sole Proprietorship
Operating for at Least Two Years
Minimum Credit Score of 650

How to Apply for an SBA Loan

Our SBA Application Process

Start Your SBA Application

(Time to Complete = Four Minutes)
Provide some basic details about you and your business using our Small Business Financing Form.
(Time to Complete = 15 Minutes)
We’ll contact you to discuss the documentation needed to complete your application and answer any questions you may have.
(Time To Complete = As Little as 48 Hours, or One to Two Weeks)
We’ll begin processing your application as soon as we’ve received all the necessary documentation and keep you updated every step of the way.
(Time to Complete = 30 to 60 Days)
We’ll provide you with your final SBA loan offer(s) to review. Once accepted, you’ll receive your funds in 30 to 60 days.

We What
We Do

90,000+

Small Businesses Served

10 Billion+

Financing and Tax Refunds

30 Years+

Industry Experience

90%+

Client Retention

FAQs About SBA Loans

Questions? We Have Answers.

SBA Loans are backed by the Small Business Administration (SBA), a government agency that supports small businesses, offering lower interest rates and more flexible terms than conventional loans. You apply for SBA loans through a private lender or broker, like 1st Capital Financial.

When you apply for an SBA loan, you may be asked to provide the following documents:

  • Personal Background Statement
  • List of Business Loans You’ve Applied For
  • SBA Form 1919 (“Borrower Information Form”)
  • SBA Form 413 (“Personal Financial Statement”)
  • Copies of Financial Statements
  • Copies of Income Tax Returns
  • Copies of Business License(s) and Registration(s)
  • Copies of Articles of Incorporation and Bylaws, or Operating Agreement
  • Copy of Business Plan

The minimum down payment for an SBA 7(a) Loan, Express Loan, or 504 Loan is 10%. However, down payments will vary based on creditworthiness, cash flow, collateral, and other factors.

Once approved for an SBA loan, you will typically receive your funds in 30 to 60 days.

SBA loans are more challenging to qualify for than some alternative financing options. However, they’re also easier to qualify for than conventional loans. SBA lenders and brokers tend to be more accommodating than most banks.

Can’t find the information you’re looking for? Give us a call at +1 (833) 317-8227.
1
There is no impact on credit to start your SBA application online with 1st Capital Financial.
2
Funding amounts vary for different SBA programs.
3
Actual rates and terms will be determined by creditworthiness, SBA program guidelines, the chosen lender, and other factors. 1st Capital Financial has partnered with multiple lenders so that the company can offer greater flexibility and coverage to its SBA clients.

Ready to Get Started?

Start your SBA application today so that you can focus on what matters most for your small business.

Get Started

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Start your SBA application today so that you can focus on what matters most for your small business.
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