SBA Loans
SBA loans are government-guaranteed financing offering high amounts, long terms, and low rates for eligible small businesses.
SBA loans are business loans issued by participating lenders and partially guaranteed by the U.S. Small Business Administration. The government guarantee reduces lender risk, which translates into the most favorable terms available to small businesses: high loan amounts, long repayment terms, and low interest rates. The most common programs are the 7(a) loan (general working capital, up to $5 million) and the 504 loan (owner-occupied real estate and heavy equipment, up to $5.5 million). Our SBA partner lenders can exceed those program caps—structuring companion debt alongside the SBA facility to support total projects up to $20 million—so larger acquisitions, real estate, and expansion needs can still capture SBA terms. Because of their value, SBA loans involve more documentation and a longer process, but the payoff is capital structured like a consumer mortgage—large, cheap, and long.
- 01You apply through an SBA-preferred or participating lender.
- 02The lender and SBA underwrite your credit, business financials, and use of funds.
- 03The SBA provides a partial guarantee (often 75–85%) to the lender.
- 04On approval, funds are disbursed for the approved use (working capital, real estate, equipment, etc.).
- 05You repay over long terms (up to 10 years for working capital, up to 25 for real estate) at favorable rates.
Lowest rates available
SBA rates are capped and among the cheapest business financing you can access.
Long terms
Up to 10 years for working capital and 25 for real estate keep payments low and manageable.
High loan amounts
Up to $5M (7a) or $5.5M (504)—and up to $20M with companion debt for larger projects.
Flexible use of funds
Working capital, equipment, real estate, refinancing, and acquisition are all eligible.
- •Long-term working capital to scale operations
- •Purchasing owner-occupied commercial real estate
- •Buying heavy equipment or fixed assets
- •Refinancing existing higher-cost debt
- •Funding a business acquisition
- •Meets SBA size standards for a small business
- •2+ years in business preferred
- •Demonstrated ability to repay from cash flow
- •Reasonable personal credit and character
- •Collateral and personal guarantee typically required
An SBA loan is the cheapest, longest-term capital a small business can access—structured more like a mortgage than a business loan. Long terms keep payments low even at high amounts, freeing cash flow for operations and growth, while the low rate means more of each dollar funds the business rather than the lender. For real estate, equipment, or a transformational acquisition, it's often the difference between a project that pencils out and one that doesn't.
Questions & answers
Common questions about sba loans.
Term Loans
Simple interest accrual loans with fixed amount, rate, and term. Traditional bank financing without the hoops and delays.
Learn more02Working Capital Advance
The fastest path to operating capital. Leverage your sales history to fund the business today.
Learn more03Lines of Credit
Revolving credit giving immediate access to capital. You only pay for what you use — the most useful financial tool any business can hold.
Learn more07Invoice Financing
Over 65% of invoices are paid in 30–90 days. Access the money owed to you today and keep operations moving.
Learn moreApply for SBA Loans
Start your application today. A FortisFi specialist will structure the right financing for your business.
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