Key takeaways
- SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer the lowest rates and longest terms (up to 25 years) available to small businesses, with amounts from $50K to $5M.
- The main programs are SBA 7(a) for general purposes, 504 for real estate and major equipment, and Express for faster, smaller loans up to $500K.
- They suit established businesses that can wait 30–60 days for funding and typically have 2+ years in business and credit around 650+.
- Getting matched and reviewing options does not involve a hard credit pull.
SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer lower rates and longer repayment terms than most conventional business financing. They’re the gold standard for established businesses that can wait a few weeks for funding.
Which SBA program fits?
- SBA 7(a) — the flagship program. Up to $5M for working capital, refinancing, acquisitions, and more.
- SBA 504 — long-term, fixed-rate financing for real estate and major equipment.
- SBA Express — faster turnaround for lines of credit and smaller loans up to $500K.
Why use Hoss Capital for an SBA loan?
The SBA process is paperwork-heavy and lenders vary widely in what they’ll approve. We match your profile to lenders actively funding deals like yours, so you spend time with the right lender instead of getting declined after weeks of waiting.