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Last updated: July 2026
SBA loans can offer long terms for established small businesses, but the application process is document-intensive. Your Capital Advisor handles the paperwork, the lender matching, and the back-and-forth so you don't have to.
SBA Loans at a Glance
What is an SBA loan?
SBA loans are supported by the U.S. Small Business Administration, which can help lenders structure terms for qualifying businesses. The tradeoff is paperwork and timeline, which is exactly where a Capital Advisor earns their keep.
Long-Term Structure for Established Businesses
SBA programs can provide a longer repayment schedule for qualifying businesses. Your Capital Advisor will help you compare the structure with other options before you apply.
We Navigate the Paperwork With You
SBA applications require detailed documentation: financial statements, business plans, personal financial statements, and more. Your Capital Advisor prepares your file correctly the first time, avoiding the delays that sink most SBA applications.
Matched to the Right SBA Program
7(a), 504, and microloans each serve different purposes. We identify which program fits your situation instead of forcing you into a one-size-fits-all application.
One Point of Contact, Start to Finish
No bouncing between bank branches or call centers. One advisor manages your file from application to funding, keeping you informed at every stage of the process.
Which SBA Program Is Right for You?
The SBA offers multiple loan programs designed for different business needs. Your Capital Advisor will identify the best fit before you apply.
| SBA 7(a) | SBA 504 | Microloan | |
|---|---|---|---|
| Up To | $5M | $5.5M | $50k |
| Best For | Working capital, acquisitions, refinancing | Real estate, major fixed assets | Startup costs, small equipment |
| Term | Up to 10 yrs (25 for real estate) | Up to 25 yrs (real estate) | Up to 6 years |
| Down Payment | 10–15% | 10% | Varies |
Not sure which program fits? Talk to a Capital Advisor → Read our guide to bridging an SBA file.
How do SBA loans work?
Apply & Share Your Goals
Submit your application and tell your Capital Advisor what the capital is for. They'll determine which SBA program fits your business, revenue profile, and use of funds.
We Prepare Your File
Your advisor compiles and reviews documentation before submission, the top reason SBA applications get delayed or denied is incomplete or poorly structured paperwork. We get it right the first time.
Get Funded
Once a lender approves the file, funds are disbursed according to the loan structure. The timeline is often 30 to 60 days, depending on the program and the completeness of the application.
What can you use an SBA loan for?
SBA loans are best suited for long-term, strategic capital needs where an extended repayment schedule is the priority.
Business Acquisition
Buy an existing business or buy out a partner with long-term financing structured for ownership transitions.
Commercial Real Estate
Purchase or renovate the building your business operates from, with terms up to 25 years and lower monthly payments.
Working Capital & Refinancing
Consolidate existing obligations or fund operations with a structured SBA loan.
How do SBA loans compare to other financing?
| SBA Loan | Term Loan | Small Business Loan | |
|---|---|---|---|
| Up To | $5M | $500k | $1.5M |
| Term | Up to 25 years | Up to 12 years | 4–24 months |
| Funding Speed | 30–60 days | 3 business days | 24 hours |
| Time in Business | 2+ years | 2+ years | 6+ months |
| Best For | Long-term strategic capital | Strategic mid-size investment | Fast working capital |
Not sure which product fits? Talk to a Capital Advisor →
Common Questions
Great Terms Take
the Right Guidance.
Apply today. A Capital Advisor will review your business, identify the right SBA program, and manage your application from start to finish.