Business funding · SBA 7(a) Loan
Best terms available, and the hardest to get.
A partial government guarantee lets lenders offer terms no other product matches, up to 25 years. The trade-off is the process: months of underwriting, exhaustive documentation, and a high decline rate even on strong files.
Funding partners in our network
- Loanable
- PFG
- NLC / Loan Funder
- Funding Vault
- 7 Figures
- Lexington
- AdvisorHub
We introduce applicants to these partners. They make every credit decision. See the full directory.
Lender guidelines
What partners publish for this product
- Amount
- $250,000 to $5,000,000
- Term
- 5 to 25 years
- Typical credit
- 680 to 700
- Time in business
- 2 years
- Revenue
- $500,000 per year
- Typical speed
- 1 to 3 months
- Collateral
- Partially guaranteed by the Small Business Administration.
Set expectations honestly: SBA approval typically runs 2 to 6 months, and the large majority of files are declined after full documentation. Consider a faster product in parallel.
These are partner lender guidelines, not offers. Approvals, amounts, rates, and terms are determined solely by the funding partner and are not guaranteed. Results vary and depend on credit, income, and lender approval. Not typical results.
SBA 7(a) Loan
One partner offers this product
Loanable is the only partner in our network with this desk, so this product links straight through.
- No credit pull to see your matches
- No fee charged to applicants
- You choose the partner, not us
Questions first? Call (209) 541-4065, Mon to Fri, 8:00am to 6:00pm ET.
Why this product
What it does well
Longest terms available
Amortization reaches 25 years, which minimizes the monthly payment.
Government guarantee
The SBA guarantee lets the lender price well below conventional business debt.
Large facility sizes
Up to $5,000,000 on a qualified file.
Fit
Best for
- Established businesses with two or more years of filed returns
- Purchases that justify a multi-month timeline
- Owners who can document everything an underwriter asks for
Uses
Common use cases
- Acquiring another business
- Buying owner-occupied commercial property
- Refinancing expensive short-term debt into long-term paper
Partners
Who funds this product
This product links straight through, because only one partner in the network offers it.
Loanable
Loanable (Nextgen Capital Solutions)
One application, 100+ lenders, funding as fast as 24 hours.
Full marketplace covering both business and real estate products.
Opens Loanable's own application. They underwrite the file and set every term.
FAQ
Questions about this product
Read this first
- We are not a direct lender or bank. We assist with applications, consulting, and credit strategies.
- Approvals are not guaranteed and are subject to bank or issuer decision.
Submitting your funding request will not impact your personal credit score. If you choose to proceed with an offer, certain funding options may require a hard credit inquiry, which the partner discloses and you authorize before it happens. We do not provide legal, tax, or financial advice. Please consult a licensed professional for personalized guidance. Full disclosures.
See what you qualify for
A few questions, no documents, no credit pull. You get every option your profile matches, not just this one.