SBA Startup Loans: The Smart Way to Launch Your Dream Business

Loans up to $5 million with 25 year terms, and a 10% minimum equity injection; can also leverage real estate.

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SBA Startup Loan Features

SBA loans offer a guarantee from the federal government of 75% - 90% of the loan amount, making banks more comfortable lending and easier for under-collateralized businesses to get the funding they need.

Loans Up to $5M

Obtain funding from $100k to $5 million, ensuring your new venture has sufficient capital to launch successfully.

Extended Repayment Terms

Loan terms range from 10 to 25 years, offering you low payments to support your business's cash flow effectively.

Preserve Liquidity

Start your business with a minimum equity injection of 10%, which can be sourced from a family gift.

Buy Commercial Real Estate

You have the option of either leasing space or purchasing commercial real estate for your new business.

Pre-Requisites for SBA Startup Loan

The guarantor(s) must have transferrable experience. Strong business plan (preferably professionally written) and projections are needed. If the guarantor(s) have real estate with at least 25% equity to pledge as collateral, it will strengthen the likelihood of approval.

  • Minimum FICO Score: 640 Experian model v2
  • Use of Funds: Working Capital, Inventory, Equipment, Renovation, Leasehold Improvements, Commercial Real Estate (owner-occupied)
  • Notes: The guarantor(s) must have transferrable experience. Strong business plan (preferably professionally written) and projections are needed. If the guarantor(s) have real estate with at least 25% equity to pledge as collateral, it will strengthen the likelihood of approval.

What is an SBA Startup Loan?

An SBA startup loan is a type of small business loan that is designed specifically for new businesses that have generally been operating for two years.

It is one of the best financing options for entrepreneurs who want to start a new venture with minimal upfront costs and maximum flexibility.

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Launch Your Business with an SBA Start-up Loan

Turning your business idea into a reality can be expensive and overwhelming, but it doesn’t have to be. Our team has helped countless entrepreneurs jumpstart their businesses by securing the capital they need.

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How to Apply for the SBA Startup Loan?

Applying for the SBA Startup loan is easy and convenient.

  1. Click on the APPLY HERE button below to start your online application.
  2. Fill out some basic information about yourself and your business.
  3. Submit your application
  4. You’ll receive an automatic email reply with instructions for uploading any required document(s).
  5. You’ll receive a decision within 24 hours and funding within 7 days or less.

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Check to see if you pre-qualify without impacting your credit score.

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