Loans

Loans backed by SBA make it easier for small businesses to access affordable funding with more flexible terms and added support. Find out which SBA-guaranteed loan program is best for your business, then use Lender Match to be matched to lenders.

Benefits of SBA-guaranteed loans

  • Competitive terms: SBA-guaranteed loans generally have rates and fees that are comparable to non-guaranteed loans.
  • Counseling and education: Some loans come with continued support to help you start and run your business.
  • Unique benefits: Lower down payments, flexible overhead requirements, and no collateral needed for some loans.

Eligibility requirements

  • Lenders and loan programs have unique eligibility requirements. In general, eligibility is based on what a business does to receive its income, the character of its ownership, and where the business operates. Normally, businesses must meet SBA size standards, be able to repay, and have a sound business purpose. Even those with bad credit may qualify for startup funding. The lender will provide you with a full list of eligibility requirements for your loan. 

SBA loans

7(a) loans

SBA’s primary program for providing long-term financing for a variety of purposes. 7(a) loans are delivered by SBA 7(a) lenders.

Fund or grow your business

504 loans

Long-term, fixed-rate financing available through mission-oriented, community-based SBA Certified Development Companies.

Finance your business’s growth

Microloans

Loans of $50,000 or less to help businesses and certain non-profit childcare centers. Microloans are provided by intermediary lenders.

Get funding for small improvements

Loans for exporters

SBA created programs to make it easier for U.S. small businesses to finance day-to-day operations, advance orders with suppliers, and debt refinancing.

Contact an SBA Finance Manager

Lender Match

  • Fund your business with an SBA-guaranteed loan. Get matched to an SBA-approved lender and find the best loans to start and grow your small business.

COVID-era programs

  • Although funding is no longer available, you may still access limited information on SBA’s pandemic-era programs.

Fraud and identity theft

  • If you see suspicious activity, would like to report mismanagement of federal funds involving SBA programs, or think someone has taken out a loan in your name, learn how to report these problems.

Additional funding opportunities

Explore alternative funding sources for your small business that include browsing our SBIC directory for investment capital, surety bonds, and grants.

Find more funding