SBA Loans

The longest terms. The lowest rates. Less paperwork stress.

SBA loans offer some of the best terms available to small businesses, but the process can stall a deal. We package your application, match you with the right SBA lender, and keep things moving through closing.

Start an application →Or call (727) 336-0680
$50K–$10MLoan amounts
Up to 25 yrsTerms (real estate)
Prime + 2.75%Rates from
— Is it a fit?

SBA Loans may be right if…

  • You are buying a business, buying out a partner, or purchasing real estate
  • You have been in business several years with solid credit
  • You want the lowest payment possible and can wait a few weeks for funding
  • You want to refinance higher-cost debt into a longer term
— Common uses

What clients use it for

  • Business acquisitions and partner buyouts
  • Owner-occupied commercial real estate (504)
  • Expansion, renovation, and build-outs
  • Refinancing existing business debt
  • Large equipment purchases
  • Long-term working capital
— At a glance

SBA Loans, by the numbers.

Government-backed loans offered through approved lenders, providing businesses with low-interest, long-term financing.

Max Funding Amount
$50k – $10M
Funding Term
10 – 25 Years
Interest Rates
Starting at Prime + 2.75%
Speed
4–12 Weeks
Credit Score
675+640+ for CRE loans
Time in Business
5 Years+
Repayment Term
Monthly
Pros
  • Lowest interest rates
  • Longest repayment terms
  • Use for a variety of business services
Cons
  • Lengthy approval process
  • Large amount of paperwork
  • Might require collateral
  • Excellent credit required

Figures shown are typical ranges and may vary. All products subject to approval and underwriting. *Varies by lender.

— How it works

From application to funding
in four steps.

Step 01
Apply

Send the short form below or call us. It takes a few minutes and starts with a soft credit pull where applicable.

Step 02
Review

We review your business and match it with the lenders and programs most likely to fit.

Step 03
Compare

You get side-by-side options with rate, term, payment, and total cost explained in plain English.

Step 04
Fund

Choose the offer that fits, sign, and receive funds, often within days of approval.

What you’ll need to apply

  • One-page application
  • Last 3–6 months of business bank statements
  • Driver's license for each owner
  • Voided business check
  • Two to three years of business and personal tax returns
  • Year-to-date profit and loss statement and balance sheet
  • Debt schedule and, for acquisitions, the purchase agreement
— Questions

Frequently asked questions

What is the difference between SBA 7(a), 504, and Express?

The 7(a) loan is the most flexible and covers working capital, acquisitions, and refinancing. The 504 loan is built for real estate and large fixed assets. SBA Express has a faster lender decision and lower loan limits.

How long does an SBA loan take?

Typically 4 to 12 weeks from a complete application to funding. Having your documents ready at the start is the biggest thing that speeds it up.

Do I need collateral?

SBA lenders take available collateral, but a lack of collateral alone is not supposed to be the reason for a decline. Owners with 20% or more of the business generally sign a personal guarantee.

Let’s talk about
sba loans.

Tell us a little about the business and what you need. We’ll respond within one business day with next steps.

— Industries we fund
Medical & Dental PracticesManufacturingConstruction & ContractorsRestaurants & Food Service