Term & SBA Loans
Long terms and low rates for established businesses.
Government-backed SBA 7(a), 504 and Express loans with long terms and low down payments, plus faster conventional term loans.
Who it's for
Is this program right for you?
- Established businesses with 2+ years of history
- Owners planning expansion, acquisition or refinancing
- Borrowers with solid credit (SBA) or strong revenue (term)
How it works
- 01
Pre-qualify
We review your profile and recommend SBA or conventional term options.
- 02
Build the package
Our specialists help you assemble a lender-ready file.
- 03
Close and fund
Sign your documents and receive funds.
Program specs
| Amount | $50K – $5M |
|---|---|
| Term | 2 – 25 years |
| Speed | 1 – 8 weeks |
| Requirements | 2+ yrs · 650+ credit |
Your options explained
SBA 7(a) Loan
The SBA's most popular and flexible loan. Use it for working capital, equipment, buying a business, refinancing debt or purchasing real estate.
- Up to $5M
- Terms up to 10 years (25 years for real estate)
- Competitive rates tied to Prime
- Lower down payments than most bank loans
SBA 504 Loan
Built for buying or building owner-occupied commercial property and major long-life equipment. Combines a bank loan with an SBA-backed portion for long fixed rates.
- Projects up to $5M+ (SBA portion)
- As little as 10% down
- 10, 20 or 25-year fixed-rate terms
- Property must be at least 51% owner-occupied
SBA Express Loan
A faster SBA option with a streamlined approval process — good for smaller needs or a revolving line.
- Up to $500K
- Faster lender decisions
- Term loan or revolving line
- Terms up to 10 years
Conventional Term Loan
For businesses that want a lump sum without the SBA paperwork. Fixed payments over a set term, often funded much faster than SBA.
- $50K – $5M
- 1 – 10 year terms
- Decisions in days, not weeks
- Strong revenue can offset lower credit
What you'll need
- 2 years of business and personal tax returns
- Year-to-date P&L and balance sheet
- Business bank statements
- Debt schedule
- Driver's license (owner)
Use cases
- Acquire a business or partner buyout
- Refinance expensive debt
- Purchase owner-occupied real estate (SBA 504)
- Fund a major expansion
Term & SBA Loans FAQ
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Free · No obligation · 5 minutes