SBA Loans
Access the lowest rates and longest terms available through SBA 7(a) and 504 loan programs. Our bank relationships help you navigate the SBA process efficiently, getting your business the government-backed financing it deserves.
SBA Loan Programs We Offer
The Small Business Administration guarantees a portion of each loan, reducing risk for lenders and enabling better terms for your business.
SBA 7(a) Loans
The most flexible SBA program, ideal for general business purposes including working capital, equipment, expansion, and debt refinancing.
- Up to $5M for general business purposes
- Working capital terms up to 10 years
- Real estate terms up to 25 years
- Variable or fixed rate options
- No balloon payments
SBA 504 Loans
Designed for major fixed asset purchases like commercial real estate and large equipment, with below-market fixed rates.
- Fixed rate for the CDC portion (typically 40%)
- Down payments as low as 10%
- Terms of 10, 20, or 25 years
- Ideal for owner-occupied real estate
- Major equipment purchases eligible
What Can SBA Loans Fund?
SBA loans offer tremendous flexibility in how funds can be used for your business.
Commercial Real Estate
Purchase or refinance owner-occupied business property with up to 25-year terms.
Business Expansion
Fund new locations, renovations, or capacity increases to grow your business.
Equipment & Inventory
Acquire machinery, vehicles, technology, or stock up inventory for growth.
Working Capital
Cover operational expenses, payroll, marketing, and day-to-day business needs.
Business Acquisition
Purchase an existing business or franchise with favorable SBA terms.
Debt Refinancing
Consolidate high-interest debt into a single lower-rate SBA loan.
Why Apply Through Growth Fund Partners?
SBA loans are among the most paperwork-intensive financing products available. Our team has deep experience navigating the SBA process and maintaining strong relationships with SBA Preferred Lenders.
SBA Loan Benefits
Typical SBA Qualification Criteria
SBA loans have specific eligibility requirements. Here's what our bank partners typically look for:
Ready to Apply for an SBA Loan?
Let us help you secure government-backed financing with the best rates and terms available.