Flexible financing backed by the Small Business Administration

SBA Loans

SBA loans provide affordable, long-term funding designed to help small businesses grow. Whether you’re expanding operations, purchasing real estate, or refinancing existing debt, SBA programs offer low rates, longer terms, and high approval support through our network of experienced lenders.

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Financing That Fuels Everyday Operations

SBA loans make it possible for business owners to access larger funding amounts without the strict requirements of traditional lending. These loans are partially guaranteed by the U.S. Small Business Administration, giving lenders more confidence and borrowers more opportunity.

Our brokers work directly with preferred SBA lenders to secure terms that support your business goals. Whether you’re a startup seeking capital or an established company planning to expand, SBA loans offer a reliable path toward sustainable growth.

Flexible access to funds

Lines of Credit

A line of credit is a replenishable source of working capital that’s available at any time. You can keep a line open for emergencies at little to no cost. Interest is charged only on your account balance which means you can keep costs low. Much like a credit card, lines of credit let you draw from your account up to a set limit. When you make payments on the account, your balance opens back up. Unlike credit cards, you have the option to secure a line of credit, giving you more borrowing power. Secured cards let you leverage assets to boost your credit limit at lower interest rates than most credit cards. Don’t want to use your company’s assets? Use your credit score instead to get an unsecured line of credit. If you’re unsure about which line of credit is right for you, feel free to reach out to one of our brokers.

Cash flow from invoices

Factoring

Factoring turns your accounts receivable assets into cash before they’re paid. You can receive an advance of cash from invoices, purchase orders, and contracts by working with a factor. The factor buys your AR assets for a percentage of their value. That way, you don’t have to wait weeks or months to see payment. When your customers pay, the factor collects their repayment and forwards the remaining cash on to you. Most factors approve in 24 hours or less. You can factor as often as you want or factor multiple invoices at once. Since factoring uses your clients’ credit and payment history, you can be approved, even if your credit isn’t perfect. Beware that not all factoring companies are the same – some charge high fees and hidden interest. That’s why it’s important to work with a reputable broker. We’ll help you find a factor with integrity and transparency so you can avoid unpleasant surprises.

Trusted Network. Proven Results.

With hundreds of active lenders and millions in available funding, we help businesses secure the capital they need faster than ever before.

Lenders in our network

In available business funds

Fastest closing time

General-purpose financing

SBA 7(a) Loans

The SBA 7(a) loan is the most common and flexible option under the SBA program. It’s designed for business owners who need working capital, equipment, or real estate funding. Borrowers can use it to refinance existing debt, purchase inventory, or support expansion efforts. The program offers repayment terms of up to 25 years for real estate and 10 years for working capital or equipment. Interest rates are competitive and capped by the SBA to remain borrower-friendly. These loans are partially guaranteed by the government, reducing lender risk and making approval more accessible. Collateral is required for loans above certain thresholds, but flexibility in qualification remains one of its strongest features. Our brokers ensure applications are structured correctly for faster approval and better terms. This program is ideal for growing companies looking for dependable long-term financing.

Fixed-asset financing

SBA 504 Loans

SBA 504 loans focus on major asset purchases that directly contribute to business growth. They are primarily used to finance land, buildings, or large equipment. This program uses a partnership structure: a Certified Development Company (CDC) funds up to 40% of the project, the bank provides 50%, and the borrower contributes 10%. The fixed-rate portion of the 504 loan helps businesses lock in predictable payments. Terms can extend up to 25 years, providing long-term stability and lower monthly costs. These loans cannot be used for working capital or refinancing existing debt, keeping their focus on tangible growth investments. They are well-suited for manufacturers, owner-operators, or companies seeking new facilities. The program’s low down payment requirement helps preserve liquidity. Our brokers coordinate directly with CDCs and lenders to streamline this multi-step process from start to finish.

Fast-track funding

Sale-Leaseback

SBA Express loans are designed for business owners who need capital quickly without extensive paperwork. These loans offer a streamlined application process and faster turnaround, often within 36 hours for lender approval. Borrowers can access up to $500,000 in financing depending on business qualifications. Funds can be used for working capital, equipment purchases, or business expansion. Though interest rates are slightly higher than standard SBA loans, the speed and simplicity make it an attractive option for time-sensitive needs. Collateral is typically not required for loans under $50,000, simplifying approval for smaller requests. Terms generally range from 5 to 10 years depending on the loan purpose. This program is ideal for established businesses that can demonstrate strong cash flow and a clear repayment plan. Our brokers help prepare clean, compliant applications to ensure the fastest path to funding.

Don’t let financing delays hold your business back.

Work with our SBA loan specialists to identify the right program, prepare your application, and connect with lenders who can move your funding forward quickly.

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Simple steps to secure your funding

To Qualify:

STEP 1

Assess your budget and decide how much you want to borrow.

STEP 2

Gather financial records to support your application.

STEP 3

Connect with our brokers to review options and finalize your loan strategy.

Alternatives

If these solutions aren’t what you’re looking for, try:

Working Capital Loans

Designed to keep your business running smoothly, working capital loans provide fast access to cash for everyday expenses. Use it for payroll, rent, or inventory when timing matters most. A practical alternative when SBA funding isn’t the right fit.

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Bridge Loans

Bridge loans offer quick funding to cover expenses while waiting for long-term financing or closing on a property. They’re ideal for time-sensitive opportunities or temporary cash flow gaps. A strong option when you need capital without delay.

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Get a clear path to your financial goals.

Get the capital your business needs

Start your application today and let our brokers connect you with the best working capital solution for your goals. Fast approvals and competitive rates await.

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