SBA 7(a)
The general-purpose program: working capital, acquisitions, refinancing and real estate up to $5M with terms to 10 years, or 25 for property.
Long terms, low rates,
SBA-backed.
SBA loans stretch repayment to 10 or 25 years at rates capped by the program, for amounts from $25K to $5M.1 The paperwork is real, so we prepare the package and shop it to SBA-preferred lenders.2 Applying does not affect your credit score.3
4.8Excellent · Based on 12,480 reviews
FundLine Capital is a commercial loan broker, not a lender. Offers are made by the lenders we work with.
How much do you need?Estimate uses a 10-year term. Real estate purchases may qualify for up to 25 years.
Est. monthly payment$6,199
Illustrative terms8.5% APR · 120 mo
10–25 yrsrepayment terms on SBA 7(a) and 504 loans
Longer terms mean a $500K loan can carry a payment closer to a lease than a loan, which is why owners wait for SBA.
Worth the wait
for the right project.
SBA loans trade speed for the best terms available to a small business. Here is what the programs we place look like.
SBA 504
Fixed-rate financing for buildings and heavy equipment, typically 10% down, with a bank and a certified development company sharing the loan.
SBA Express
A streamlined review for amounts up to $500K when you want SBA terms without the full 7(a) timeline. Decisions in weeks, not months.
The SBA package, handled
We assemble it so the lender says yes faster. Three years of returns, a debt schedule, a projection and a personal financial statement. Your funding specialist collects and organizes the file so it lands lender-ready on the first pass.
How an SBA loan comes together
Ridgeview Dental Group
$500,000 of SBA 7(a) · 120-month termLoan amount
$468,220Remaining balance
View amortization
RatePrime + 2.25%
Monthly payment$6,199
SBA guarantee feeFinanced
FundedJun 12
- 1
Apply and build the package
Start with the 15-minute application. Your specialist then gathers the SBA forms and financials with you over a few days.
- 2
Compare lender offers
We shop the package to SBA-preferred lenders that fit your industry and size, then compare rate, term, fees and equity required.
- 3
Close and fund
Underwriting and closing typically take 30 to 90 days. Your specialist tracks every condition until funds are wired.
SBA is paperwork.
We carry the folder.
Owners who go it alone often stall on forms and conditions. Your FundLine specialist has walked hundreds of SBA files through closing and knows what each lender wants to see.
Book a callReal people, any day of the week
What owners say about their SBA loans
Excellent
4.8
Based on 12,480 reviewsFundLine owner reviewsSBA loan questions, answered
A loan made by a bank or licensed lender and partially guaranteed by the U.S. Small Business Administration. The guarantee lets lenders offer longer terms and lower rates than they otherwise would. The SBA does not lend directly, and neither does FundLine.
SBA 7(a) loans go up to $5 million. SBA Express caps at $500,000. SBA 504 projects can exceed $5 million when the bank portion is counted. Most SBA loans we place fall between $150K and $2M.
SBA 7(a) rates are capped by the program at prime plus a spread, typically 2.25% to 3% for larger loans. SBA 504 loans carry a fixed rate set at funding. Your offers show the exact rate and whether it is fixed or variable.
Plan on 30 to 90 days from complete package to funding for 7(a) and 504. SBA Express can close in two to four weeks. The biggest variable is how quickly the financial documents come together, which is where your specialist helps.
Generally two or more years in business, a personal credit score of 650 or higher, positive cash flow and no recent bankruptcies or defaults on government debt. Some lenders will consider younger businesses with strong owner experience and a solid projection.
Three years of business and personal tax returns, a current profit-and-loss and balance sheet, a business debt schedule, a personal financial statement and SBA forms 1919 and 413. For acquisitions and real estate, add the purchase agreement. Your specialist provides the checklist.
Often yes. Acquisitions and real estate typically require 10% equity injection. Working-capital 7(a) loans may require none. SBA 504 requires 10% down for most borrowers, 15% for special-purpose properties.
Applying through FundLine does not affect your personal credit score. SBA lenders run a hard inquiry during underwriting after you have chosen an offer, and they tell you before they do.
The SBA charges a guarantee fee of roughly 2% to 3.5% of the guaranteed portion on loans over $1 million; smaller loans often have reduced or waived fees. Lenders may add packaging and closing costs. Fees can usually be financed into the loan.
Yes. Refinancing high-cost advances or short-term loans into a 7(a) is one of the most common uses we place. The lender must see that the new loan improves your cash flow, which is usually easy to show.
Can't wait 60 days?
A term loan funds in days instead of months. Many owners take one now and refinance into SBA later.
Buying the building you work from?
Commercial real estate loans, including SBA 504, finance the purchase with terms up to 25 years.
Before you apply for SBA
Reads that shorten the timeline.
Guide
Getting ready to borrow
The documents and ratios SBA lenders check, and how to get them in order.
Read moreGuide
Business financing, explained
Where SBA fits next to term loans, lines and real estate financing.
Read moreBlog
How much funding really costs by stage
Why SBA terms beat the sticker rate on faster products over 10 years.
Read moreStart the SBA package today.
Fund in weeks, not quarters.
15-minute application. No impact to your credit score. A specialist assembles the SBA file with you.
- 1¹ Maximum amounts and terms are set by SBA program rules and by the individual lender. Rates are capped by the SBA and vary with the prime rate; not every applicant will qualify for the lowest rate.
- 2² FundLine Capital is not affiliated with the U.S. Small Business Administration. SBA loans are made by participating lenders; the SBA guarantees a portion of the loan to the lender.
- 3³ Submitting an application to FundLine Capital does not affect your personal credit score. SBA lenders run a hard credit inquiry during underwriting after you have selected an offer.
- 4⁴ Closing timelines are typical ranges and are not guaranteed. They depend on the lender, the loan type and how quickly the required documents are provided.