SBA loans for long-term business financing
Long terms, capped rates and a federal guarantee, matched to an SBA lender that fits your file.
SBA Loans overview
- Typical amount
- $50K to $5M
- Typical term
- 10 to 25 years
- Time to fund
- 30 to 90 days
Ranges are typical for this type of financing. Your amount, term and pricing depend on the lender and your business profile.
How it works
The Small Business Administration does not lend directly. It guarantees part of a loan made by an approved lender, which lowers the lender's risk and lets them offer terms a conventional loan cannot: 10-year amortization on working capital, 25 years on real estate, and rates tied to Prime plus a capped spread.
The trade for those terms is time and paperwork. A 7(a) or 504 file needs tax returns, financial statements, a debt schedule and a clear use of funds, and closing runs 30 to 90 days. Capital Ally pre-qualifies you first, then places the file with an SBA lender whose appetite matches your industry and deal size, so you are not learning each lender's preferences one rejection at a time.
Best for
- Buying the building you operate from
- Acquiring another business
- Refinancing short-term debt into one long-term payment
- Planned expansion where a lower payment matters more than speed
What businesses use it for
Commercial real estate
SBA 504 finances owner-occupied property with as little as 10 percent down, the lowest down payment most owners will see.
Business acquisition
7(a) can finance up to 90 percent of a purchase, including goodwill, which is why it is the standard structure for first-time buyers.
Debt refinance
Roll advances and short-term loans into a single 10-year note and cut the monthly payment substantially.
Equipment and build-outs
Match the loan term to the useful life of the asset so the project does not squeeze cash flow.
How it compares
SBA loans vs term loans
A term loan closes in days at a higher rate. SBA closes in months at a lower one. Pick SBA when the timeline allows.
SBA loans vs working capital
Working capital is for fast, short-term needs. SBA is for larger, planned investments with a multi-year horizon.
SBA Loans: common questions
See all questionsHow long does an SBA loan take?
Most 7(a) loans fund in 30 to 90 days from a complete application. SBA Express can close faster with a lower cap. Real estate runs longer because of appraisals and environmental review.
Can a newer business get an SBA loan?
It is possible but harder. Lenders look for a strong plan, industry experience, a larger equity injection and often collateral. Most approvals go to businesses with two or more years of history.
What if I do not qualify?
A term loan, a line of credit or working capital can bridge the gap now, and an SBA refinance can follow once the file is stronger.
Other funding solutions
Ready to apply for SBA loans?
Two minutes to check eligibility. A specialist reviews it the same day. No credit impact, no obligation.