Low-Interest, Long-Term Business Capital Up to $5,000,000
Expand operations, acquire commercial real estate, or refinance debt with competitive, prime-capped rates and terms up to 25 years.
Check SBA Eligibility →- SBA 7(a) & Commercial Loan Marketplace
- Prime-Capped Interest Rates
- Monthly Payback (No Daily Draws)
- Pre-Qualification Soft Inquiry (No Credit Score Impact)
SBA 7(a) Loan Programs Compared
| Program Parameter | SBA 7(a) Working Capital | SBA 7(a) Real Estate & Expansion | SBA Express / Micro-Loan |
|---|---|---|---|
| Funding Amount | $30,000 – $350,000 | $350,000 – $5,000,000 | $30,000 – $50,000 |
| Max Term | 10 Years | Up to 25 Years | 7 to 10 Years |
| Interest Rate | Prime + 2.25% to 4.75% | Prime + 2.25% to 3.75% | Prime + 4.5% to 6.5% |
| Repayment Frequency | Monthly | Monthly | Monthly |
| Minimum FICO | 680+ | 680+ | 650+ |
| Target Use | Working capital, debt consolidation, equipment | Real estate purchase, business acquisition, major expansion | Small working capital, early-stage operations |
Rates are quoted against the Prime Rate and are set by the lending partner at approval. Ranges shown are typical, not guaranteed.
Buying real estate or major equipment? Compare SBA 7(a) vs. SBA 504 loans, or read how to qualify for an SBA 7(a) loan.
Borrower Qualification Requirements
Time in Business
2+ years preferred. Eligible startups are considered with 680+ credit, industry experience, and a business plan.
Minimum Credit Score
680 FICO for primary guarantors (owners of 20% or more).
Business Cash Flow
Debt Service Coverage Ratio (DSCR) of 1.15x or higher, based on bank deposits and tax filings.
Plaid Bank Connection
At least 6 months of active business checking account activity.
Frequently Asked Questions
How is an SBA loan different from a Merchant Cash Advance (MCA)?
SBA loans are government-backed long-term bank loans with low monthly payments capped at prime rates. MCAs are short-term purchases of future sales paid back daily or weekly.
Will checking my SBA eligibility affect my personal credit score?
No. Initial pre-qualification uses a soft inquiry that does not impact your credit score.
Can startups or new businesses apply for an SBA 7(a) loan?
Yes. While established businesses are preferred, startups with strong principal credit (680+), relevant industry background, and detailed business projections can pre-qualify through our SBA partner network.
How much is the down payment on an SBA 7(a) loan?
SBA rules generally call for an equity injection of at least 10% for startups and business acquisitions. Established businesses borrowing for working capital or equipment often need less. The lending partner confirms the exact amount for your use of funds.
How long is an SBA 7(a) loan term?
Working capital and equipment loans typically run up to 10 years, and loans used to buy commercial real estate can run up to 25 years, all with fixed monthly payments.
See Which SBA Program Fits Your Business
Pre-qualification takes a few minutes and uses a soft inquiry, so your credit score is not affected.
Check SBA Eligibility →