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SBA 7(a) Loan
The cheapest money in the network — if you can wait.
Amount
$10K – $5M
Speed
Typically 30–45 days
Term
10 – 25 years
Collateral
Often required
Government-backed, low-rate, patient capital. The best rates available, but slower and document-heavy. Built for big, long-horizon moves.
How it works
SBA loans are partially guaranteed by the Small Business Administration, which lets lenders offer low rates and long terms. In exchange, underwriting is thorough — tax returns, financials, sometimes projections.
We help you package it cleanly the first time so it moves as fast as an SBA loan can (typically 30–45 days to fund).
Things to weigh
- •Rates are roughly Prime + 2–3% — far below working capital — with terms up to 25 years.
- •The tradeoff is time and paperwork. If payroll is due in four days, this isn't the one — we'll get you a bridge and refinance into SBA later.