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SBA 7(a) Business Loan

Low-Rate Capital. Long-Term Growth

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Get approved for an SBA loan with low rates, long terms, and government backing — up to $5 million. Smart funding, built to grow your business.

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Lump Sum

From $30k-$5mm

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Predictable

8-25 Year Terms

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Repayment Term

Fixed Monthly Payments

An SBA loan is a government-backed business loan designed to help small businesses access affordable, long-term funding. The most popular program — the SBA 7(a) — offers low interest rates, high approval potential, and repayment terms up to 25 years.

What Is an SBA Loan?

At Huge Capital, we guide you through the SBA process step-by-step, helping you avoid delays and making sure your file is submitted right the first time. Whether you’re expanding, buying a business, refinancing debt, or opening your first location — we’ll help you secure the right SBA funding without the usual headaches.

Benefits of an SBA Loan

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Lower Cost of Capital

SBA 7(a) loans offer competitive interest rates and long repayment terms.

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Use for Almost Any Purpose

Real Estate, Working Capital, Inventory, Equipment and Debt Refinance.

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Backed by The U.S. Government

Banks are more willing to approve when the SBA guarantees part of the loan

How Does SBA Financing Work?

The process is more detailed than a typical loan - with documentation, underwriting, and SBA guidelines to follow - but Huge Capital handles it all for you. We package your file professionally and match it to lenders who specialize in your industry and use case.

You’ll work with one expert team, not a dozen random lenders. No spam, no missed steps, no surprises.

SBA loans are issued by banks and lenders, but backed by the U.S. Small Business Administration. This reduces the lender’s risk, allowing the to offer better terms than traditional loans.

Apply For SBA Financing in 3 Steps.

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Tell us a bit about your business and funding goals - no hard credit pull.

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Complete The Pre-Qual

Get Expert Guidance

We review your file and walk you through the SBA checklist with real advice.

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Get Funded.

We match you with the right bank and guide the process through approval, closing and funding.

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Minimum Qualifications for an SBA 7(a) Loan..

2 Years

Time In Business

Financials

Are in Order.

$250K

Annual Business Revenue

640+

Personal Credit Score

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Is an SBA Loan Right For You?

List of pros with checkmarks: Predictable fixed payments, Clear repayment schedule, Access to larger funding amounts.
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 FAQs

  • SBA 7(a) loans range from $30,000 to $5 million. Your funding amount depends on your use of funds, cash flow, and business profile.

  • We start with a soft pull — no impact to your score. A hard pull happens only if you move forward with a lender after they have proposed a term sheet and pre-underwritten your loan

  • SBA loan rates are typically based on the Prime Rate plus a lender spread — most fall between 9–11% APR as of 2025. However, we work with banks that can offer subprime rates, meaning you may qualify for rates even lower than average, depending on the strength of your financials.

    We’ll structure your file to help you access the most competitive terms available — not just what the first lender offers.

  • Because SBA loans are hard — we make them easy. Instead of chasing 5 different banks and sending 20 emails with your financials, you get one expert team that does the work for you and actually explains things along the way and puts you in touch with the right lender off the jump.