SBA Financing
SBA financing refers to financing made available through lenders participating in U.S. Small Business Administration programs. Eligibility, permitted uses and terms are governed by SBA program rules and the participating lender.
Funding options are subject to eligibility, underwriting, product availability, and applicable terms.
Who this structure may be appropriate for
- Established U.S. small businesses that meet SBA program eligibility
- Businesses funding longer-term projects or acquisitions
- Businesses prepared for a more documentation-intensive process
How businesses commonly use it
- Working capital
- Equipment
- Commercial real estate, where the program permits
- Business acquisition, where the program permits
Factors typically reviewed
No single factor determines an outcome, and specific thresholds are set during underwriting.
- Time in business
- Business revenue and deposit history
- Industry and business type
- Credit profile of the business and owner(s)
- Existing business obligations
- SBA program eligibility rules, which are set by the SBA and the participating lender
Information usually requested
- Basic business details (legal name, entity type, state, industry)
- Owner contact information
- The funding amount and intended use
- PLACEHOLDER: the specific document checklist will be published once confirmed
- SBA programs typically require additional documentation; the participating lender confirms what is needed
From application to closing
- 01
Apply
Tell us about your business and funding needs through a short application.
- 02
Get Reviewed
Your information is reviewed to determine what financing options may be available.
- 03
Explore Your Options
If eligible, review available options, costs, repayment structure and terms.
- 04
Move Forward
Complete the required documentation and closing process for the option you select.
Explore SBA Financing for your business
Funding options are subject to eligibility, underwriting, product availability, and applicable terms.