SBA Loans

SBA Loans — The Gold Standard in Business Financing

Access SBA 7(a), Express, and Bolt loan programs through our direct lender relationships. The lowest rates, longest terms, and largest amounts available in business lending. One application gets you matched to the right SBA program.

No prepayment penalty
Lowest rates available in business lending
Government-backed programs

$5M

Max Loan

Prime

Rates

10+ Yr

Terms

5.0 ★★★★★

Trust Index Verified

Simple Process

How It Works

One application. We handle the SBA complexity so you don't have to.

Apply in Minutes

One application covers all SBA programs. We collect the basics and start evaluating which program fits your business, timeline, and funding need.

Review Your SBA Options

We determine which SBA program fits your situation. Bolt for speed, Express for mid-range flexibility, or 7(a) Traditional for maximum capital. You get a clear recommendation with full transparency on rates, terms, and timeline.

Get Funded

Close with your matched SBA lender. We manage the process from application through funding, coordinating with the lender on your behalf.

SBA 7(a) Pre-Qualified

Approved Amount

$350,000

Working Capital and Expansion

Term 10 Years

Monthly Payment $3,847/mo

Rate Prime + 2.75%

Accept and Fund

SBA Loan Programs

Three SBA Programs, One Application

We match you to the right SBA program based on your funding need, timeline, and business profile.

SBA Bolt

$50K - $150K | 1-3 Weeks

Fast-track SBA financing with streamlined approval. Get funded with minimal paperwork.

SBA Express

$10K - $350K | 2-4 Weeks

Flexible mid-range SBA funding for equipment, working capital, or expansion.

SBA 7(a) Standard

$50K - $5M | 6-12 Weeks

The gold standard. Lowest rates, longest terms, maximum funding for major growth.

Direct Access to SBA Lending Partners

SBA lending is all about relationships. We work directly with VPs of SBA divisions at preferred lenders across the country. That means your deal gets real attention from decision-makers who can structure approvals that work. Not a generic submission into a portal. A direct connection to the people who make SBA deals happen.

Plan Your Financing

Estimate Your SBA Loan

Use the calculator to explore payment scenarios, then see if you meet the baseline qualifications.

SBA Loan Calculator

Estimate your monthly payment on a fully amortizing SBA loan (fixed 10-year term).

Loan Amount $500,000

Interest Rate (APR) 10%

Monthly Payment $6,604

Total Cost $792,427

Total Interest $292,427

Who Qualifies?

Baseline requirements across our SBA lender network.

Credit Score

660+

Time in Business

2+ Years

Annual Revenue

$250K+

Documentation

Tax Returns + Business Plan May Be Required

These are minimums across our SBA lender network. Qualification depends on the specific program, deal size, and use of funds.

Strongest profiles: 3+ years in business, $500K+ annual revenue, 700+ credit score, and clean tax returns. The better your profile, the faster and smoother the process.

Common Use Cases

What SBA Loans Are Used For

SBA loans cover a wide range of business purposes. Here are the most common ways our clients use them.

Business Acquisition

Buy an existing business with SBA financing. Acquire a proven revenue stream, existing customer base, and operational infrastructure. SBA 7(a) is one of the most popular tools for acquisition deals up to $5M.

Commercial Real Estate

Purchase or refinance commercial property for your business. Office space, retail locations, warehouses, and mixed-use buildings. SBA offers up to 25-year terms on commercial real estate with competitive rates.

Franchise Launch

Open a franchise location with SBA-backed financing. Cover the franchise fee, buildout costs, equipment, and initial working capital in a single loan. Many franchise brands are pre-approved for SBA lending.

Partner Buyout

Buy out a business partner with SBA financing. Structure a clean transition without depleting business cash reserves or taking on high-interest debt. SBA 7(a) is specifically designed for ownership changes.

Build-Out & Renovation

Fund tenant improvements, office buildouts, retail renovations, or facility upgrades. SBA loans can cover construction and improvement costs with long repayment terms that keep monthly payments manageable.

Debt Refinancing

Consolidate high-interest business debt into a single SBA loan with lower rates and longer terms. Reduce your monthly payment burden and free up cash flow for growth and operations.

Client Success Stories

Relationship Access

$52K/Month in Payments Reduced to $11K/Month Through SBA

"Every other broker said it couldn't be done. Huge Capital knew the right people and the right timing."

A business owner carrying $52,000/month in high-interest debt needed to restructure before it consumed the company. The numbers were tight on paper, but our direct relationship with an SBA lending partner's decision-maker made the difference. We knew the program rules inside-out and caught a narrow window to get the deal done. The result: $41,000/month in savings and a business that could breathe again.

Game Plan

From Tax Issues to SBA-Eligible in 90 Days

"I didn't even know where to start. They laid out every step and kept me on track."

A business owner wanted SBA financing but had unresolved tax issues that disqualified them from every program. Instead of turning them away, we built a clear game plan: resolve the liens, organize the financials, and position the application for approval. Within 90 days the client was SBA-eligible and submitted. As a business owner with so much going on, having someone in their corner thinking for them made all the difference.

Business Acquisition

$1.2M SBA 7(a) Loan to Acquire an Established Business

"I'd been looking at this business for two years. They made the financing piece seamless."

A seasoned operator wanted to acquire a profitable service business. The deal required $1.2M in SBA financing with a tight closing timeline to meet the seller's requirements. We connected the buyer directly with an SBA-preferred lender who understood acquisition deals. Full approval in 5 weeks, closed on schedule, and the buyer walked into a business generating revenue from day one.

Commercial Real Estate

$2.8M Commercial Property Purchase via SBA 7(a)

"We were renting for years. Now we own the building and our monthly cost barely changed."

A growing professional services firm was paying $18K/month in rent with no equity to show for it. We structured an SBA 7(a) loan for a $2.8M commercial property purchase. With a 25-year term, the monthly payment came in close to their existing rent, but now they own the building. The equity built over time becomes a major asset on the balance sheet.

Compare Your Options

How SBA Loans Stack Up

Not sure if an SBA loan is the right fit? Here is how it compares to other business financing options.

	SBA Loan	Equipment Financing	Term Loan	Line of Credit
Approval Speed	1–6 weeks (varies by program)	As fast as 48 hours	As fast as 24 hours	1–5 days
Max Amount	Up to $5M	Up to $500K+	Up to $5M	Up to $1.5M
Term Length	Up to 25 years	6–72 months	6–36 months	Revolving
Collateral Required	Varies by deal + personal guarantee	Equipment is collateral	Varies	Often unsecured
Credit Requirement	660+	580+	600+	640+
Best For	Large capital needs at the lowest rates	Specific equipment purchases	Fast working capital	Ongoing flexible access
		Learn More	Learn More	Learn More

Common Questions

SBA Loan FAQs

Straight answers. No fine print games.

What is an SBA loan?+

An SBA loan is a government-backed business loan issued by approved lenders (banks and credit unions) with a partial guarantee from the Small Business Administration. Because the government shares the risk, lenders can offer lower interest rates, longer repayment terms, and larger loan amounts than conventional business loans. SBA loans are widely considered the best financing available for small businesses.

What SBA programs does Huge Capital offer?+

We connect clients to three primary SBA programs. SBA Bolt ($50K to $150K) is the fastest path with 1-2 week approvals and streamlined documentation. SBA Express ($10K to $350K) offers flexible use of funds with 2-3 week approvals. SBA 7(a) Traditional ($50K to $5M) is the full program with maximum funding, lowest rates, and terms up to 25 years. We determine which program fits your situation during the initial review.

How long does SBA approval take?+

Timeline depends on the program. SBA Bolt can close in 1-2 weeks. SBA Express typically takes 2-3 weeks. SBA 7(a) Traditional runs 4-6 weeks on average. The biggest factor in speed is how quickly you can provide documentation. Organized clients with clean financials and tax returns ready to go move through the process significantly faster.

What can I use an SBA loan for?+

SBA loans can be used for most legitimate business purposes: purchasing a business, buying commercial real estate, launching a franchise, buying out a partner, funding tenant improvements or buildouts, purchasing equipment, and refinancing existing business debt. The specific eligible uses depend on the SBA program and lender requirements. We help you match the right program to your intended use of funds.

Do I need collateral for an SBA loan?+

Collateral requirements vary by program, loan amount, and lender. Smaller SBA loans (Bolt and Express) may not require specific collateral beyond a personal guarantee. Larger 7(a) loans, especially for real estate or acquisitions, typically require the purchased asset as collateral plus a personal guarantee from owners with 20% or more equity. The SBA does not decline loans solely due to lack of collateral, but lenders may have their own requirements.

What if I have been denied for an SBA loan before?+

A previous denial does not mean you are permanently disqualified. Denials often come down to how the application was presented, which lender reviewed it, or timing issues like incomplete documentation. We work with multiple SBA-preferred lenders and know how to position applications for approval. If you are not ready yet, we will build a game plan to get you there. Many of our SBA clients came to us after being turned down elsewhere.

SBA Loans — The Gold Standard in Business Financing

How It Works

Apply in Minutes

Review Your SBA Options

Get Funded

Three SBA Programs, One Application

SBA Bolt

SBA Express

SBA 7(a) Standard

Direct Access to SBA Lending Partners

Estimate Your SBA Loan

SBA Loan Calculator

Who Qualifies?

What SBA Loans Are Used For

Business Acquisition

Commercial Real Estate

Franchise Launch

Partner Buyout

Build-Out & Renovation

Debt Refinancing

$52K/Month in Payments Reduced to $11K/Month Through SBA

From Tax Issues to SBA-Eligible in 90 Days

$1.2M SBA 7(a) Loan to Acquire an Established Business

$2.8M Commercial Property Purchase via SBA 7(a)

How SBA Loans Stack Up

SBA Loan FAQs

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