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Funding Program · Government-backed

SBA Loans.

The lowest rates and longest terms in business lending, backed by the U.S. Small Business Administration. Built for established businesses making a defining move — real estate, an acquisition, a major build-out, or refinancing short-term debt into something sustainable. The SBA guarantee makes lenders comfortable approving bigger numbers on gentler terms.

4.9/5 TrustpilotFederally guaranteed
Loan amount
$50K – $500K
Approval time
30 – 90 days
Term length
Up to 25 yrs
Credit score
680+
SBA guarantee · Personal guarantee typical
Use Cases

Best For

  • Buying or refinancing commercial real estate
  • Acquiring an existing business or buying out a partner
  • Major facility build-outs, renovations, or expansions
  • Consolidating expensive short-term debt into a long-term loan
  • Funding a long-horizon growth plan with predictable payments
Requirements

Who Qualifies

  • 2+ years in business with consistent profitability
  • 680+ personal credit score
  • Cash flow that covers proposed debt at 1.25x or higher
  • A detailed business plan with use-of-funds and projections
  • Personal guarantee and collateral typical (varies by program)

Need funding faster than 30 days? Term Loans or Working Capital close in days, not weeks — your specialist will help you weigh the trade-off between speed and cost.

Key Features

Built for the long horizon.

The lowest rates in business lending

The SBA's federal guarantee lets lenders price files at prime plus a small margin — often single-digit APRs that conventional loans simply can't touch.

Terms that let you breathe

Up to 25 years on real estate, 10 years on equipment and working capital. Long enough to make a major purchase actually affordable on monthly cash flow.

Real federal backing

The SBA guarantees a portion of every loan, which lets lenders comfortably approve files that traditional banks would otherwise decline — even for newer or asset-light businesses.

Capital sized to your ambition

Whether it's $50K to consolidate or up to $500K to acquire a competitor, SBA programs scale to match a defining move — not just a stopgap.

Funding in action

Defining moves, funded right.

Recent SBA closings across the industries we work with.

Closed
$475K
Commercial real estate

Bought their own building after eight years renting next door

Closed
$350K
Business acquisition

Acquired a competing HVAC company and doubled service area

Closed
$220K
Debt refinance

Rolled four MCAs into a single 10-year SBA term loan

“After eight years of writing rent checks, we bought our building. The SBA closing took six weeks of paperwork and feels like the best decision I’ve ever made for this business. Our specialist held our hand the whole way.”
Elena Kovacs
Birch & Bramble Wellness · Medical Spa

Compare funding programs side-by-side.

Working Capital / MCA
Funding amount
$5K – $500K
Approval time
Same-day – 24 hrs
Term length
3 – 18 mos
Credit score
550+
Collateral
Not required
Best for
Quick cash flow
Term Loans
Funding amount
$10K – $250K
Approval time
2 – 5 days
Term length
3 – 24 mos
Credit score
650+
Collateral
Optional
Best for
Major investments
Line of Credit
Funding amount
$10K – $100K
Approval time
1 – 2 days
Term length
Revolving
Credit score
600+
Collateral
Not required
Best for
Ongoing flexibility
Equipment Financing
Funding amount
$5K – $500K
Approval time
1 – 3 days
Term length
Up to 5 yrs
Credit score
550+
Collateral
Equipment
Best for
Asset purchases
Invoice Financing
Funding amount
Up to 90%
Approval time
Same-day
Term length
30 – 90 days
Credit score
550+
Collateral
Invoices
Best for
Payment delays
You’re hereSBA Loans
Funding amount
$50K – $500K
Approval time
30 – 90 days
Term length
Up to 25 yrs
Credit score
680+
Collateral
Often required
Best for
Long-term growth

Not sure which option fits you?

Choosing the right funding program depends on your goals, timeline, and business stage.

Need funds immediately for an urgent expense?

Working capital (MCA)

Offers the fastest approvals and same-day funding for eligible applications.

Learn more

Want ongoing access without reapplying each time?

Business lines of credit

Provides flexible, reusable capital you can draw and repay as needed.

Learn more

Planning a major investment with predictable repayment?

Term loans

Delivers larger amounts with fixed rates and consistent monthly payments.

Learn more

Buying specific equipment for your business?

Equipment financing

Uses the asset itself as collateral for faster, easier approval.

Learn more

Seeking the lowest rates for long-term growth?

SBA loans

Features government-backed financing for established businesses ready to scale.

Learn more

Need help deciding?

Our Funding Specialists will review your situation and recommend the best solution for your business — at no cost and with no obligation.

Get funding started(888) 744-8119

From application to funding — simplified.

  1. Step 1

    See if you qualify

    Share a few business details — it takes less than a minute. No paperwork or hard credit pull; we'll start your funding review right away.

  2. Step 2

    Connect with a funding specialist

    A real human reviews your info and calls to understand your goals. If you qualify, you'll receive a simple one-page application to continue.

  3. Step 3

    Finalize your application

    Complete the one-page form so underwriting can review and prepare your approval. Your specialist keeps the process fast, clear, and completely transparent.

  4. Step 4

    Sign & fund fast

    Review and e-sign final paperwork — most approvals fund within hours. Funds land directly in your business account.

A small business owner using LendPeak from her laptop, with a 5-star testimonial card overlay
Ready to grow?

Get matched with a funding specialist today.

Pre-qualify in 60 seconds — soft credit pull, no documents, no obligation.

See if you qualify