The lowest-cost capital most small businesses will ever qualify for — through partners who actually close SBA deals.
SBA approvals through PLP-status lenders typically fund in 60–75 days — not the 4–6 months borrowers fear.
An SBA loan is a bank loan with a federal guarantee behind it, which is why the rates run lower and the terms run longer than anything else on this site — up to 25 years on real estate, 10 years on working capital. The catch has never been the product. It's the process, and the lender you pick determines the process.
Our borrowers use SBA loans for the big, permanent moves: buying out a partner, acquiring a competitor, refinancing expensive debt into one low payment, or funding an expansion that a 12-month product can't carry. We route SBA files to Preferred Lending Partner (PLP) status lenders — banks the SBA lets approve loans in-house, without waiting on the government queue.
| Amount | $50,000 – $5,000,000 |
| Rates | From 7.49% APR (Prime + spread) |
| Terms | 10 years working capital · up to 25 years real estate |
| Speed | 60–75 days with PLP lenders |
| Guarantee | Personal guarantee required; collateral if available (not always required) |
Come prepared and the timeline shrinks: last 3 years of business tax returns, last 3–4 months of business bank statements, a year-to-date P&L and balance sheet, your EIN and ID, and a one-page summary of what the money does. For acquisitions or real estate: the purchase agreement or letter of intent.
No fees to you. We're paid by the lending side, never by borrowers — no packaging fees, no broker points. Vetted partners. We only route SBA files to lenders with PLP status and real closing history — the difference between 60 days and 6 months. Track record. Since 2007, our team has helped facilitate over $5 billion in funding for 50,000+ businesses.
Apply now — no fees from us, no impact to your credit for a quick prequalification, and a real lending partner on the other side of the click.
Apply Now