SBA loans to buy, build, or grow your business.
Government-guaranteed loans that make long-term financing more accessible.
Applying is free and won’t impact your personal credit.
What types of SBA loans are available to small businesses?
What is an SBA loan? An SBA loan is a loan program partially guaranteed by the U.S. Small Business Administration, designed to make long-term financing more accessible for small businesses. These loans are issued by approved lenders — like banks and credit unions — and can be used to start, grow, or expand your business.
Because SBA loans offer lower rates and longer terms, eligibility is stricter than other loan types. You’ll typically need good credit, a few years in business, sufficient revenue, and detailed financial documentation.
SBA 7(a)
The most flexible SBA loan. Government-backed, so lenders can offer the lowest rates and the longest repayment terms for nearly any legitimate business purpose, from acquisitions to real estate to working capital.
- Amount
- $350K to $5M
- Term
- Up to 25 years
SBA Express
A streamlined, smaller-dollar SBA loan built for speed. Ideal when you need working capital quickly to seize an opportunity or smooth out cash flow, with far less paperwork than a full 7(a).
- Amount
- $25K to $150K
- Term
- Up to 10 years
SBA Growth Loan
The mid-size SBA loan. It is bigger than Express and faster than a full 7(a). It suits established businesses making a meaningful move: refinancing, an acquisition, real estate, or major equipment.
- Amount
- $150K to $350K
- Term
- Up to 25 years
SBA 504
The SBA loan for long-term fixed assets. With as little as 10% down and a long-term fixed rate, it lets you own the building or heavy equipment your business runs on instead of renting.
- Amount
- $350K to $5M
- Term
- Up to 25 years
SBA Construction
Financing for building or heavily renovating owner-occupied commercial property. Funds are released in managed draws as the project hits milestones, then convert into a single long-term, low-rate loan when the build is done.
- Amount
- $350K to $5M
- Term
- Up to 25 years
How much can I qualify for?
Quickly estimate your funding options. Our engine analyzes recently funded deals to estimate offers tailored to your business profile — with a soft pull that never touches your personal credit.
How to apply for an SBA loan with FuteurCredX.
Tell us about your business
Answer a few simple questions, upload your documents, and complete the application in minutes.
Submit your application
We present your application to the lenders in our marketplace, including SBA-approved lenders. Applying is free and won’t impact your personal credit.
Compare offers
Find the funding option with the terms that best fit your small business goals.
Get funded
Once you accept, get funded as fast as two weeks, thanks to our streamlined application process and dedicated SBA support.
Built to get small businesses funded.
in SBA funding across our marketplace of approved lenders.
matched to multiple SBA-approved lenders — no repeat paperwork.
to check your options — it never affects your personal credit score.
SBA loan FAQs
Start by choosing the SBA loan type that fits your goal — 7(a), 504, or a Microloan. Complete one application, and we present it to SBA-approved lenders in our marketplace. If a lender is interested, you’ll move through underwriting, receive a loan proposal outlining terms and fees, and then complete the SBA closing process.
No — they’re partially guaranteed by the U.S. government. Private lenders disburse the full loan amount to the borrower; the SBA only steps in if a borrower defaults. Depending on the loan, the SBA may guarantee up to 85%, which lowers lender risk and lets lenders offer lower interest rates.
Because SBA loans offer lower rates and longer terms, eligibility is stricter than other products — you typically need good credit, a couple of years in business, sufficient revenue, and detailed financials. Underwriting can take up to three months; our streamlined process and SBA support can reduce time to funds to as fast as two weeks.
SBA loans have specific eligibility requirements. Generally the business must be for-profit, operating (or planning to operate) in the U.S. or its territories, have around two years of operating history, and the owner must have reasonable equity in the business, have sought alternative financing first, and be a U.S. citizen or valid visa holder.
Yes. Agreeing to an SBA loan means agreeing to repay the principal with interest. (SBA grants, by contrast, don’t have to be paid back.)
No. If an SBA loan is cancelled, collateral used to secure the loan may be liquidated, after which the loan is settled between the SBA and the lender.
Ready for funding?
See what you can qualify for on the FuteurCredX marketplace.