SBA Loans

How SBA helps small businesses get loans

The U.S. Small Business Administration helps small businesses get funding by setting guidelines for loans and reducing lender risk. These SBA-backed loans make it easier for small businesses to get the funding they need.

Types of SBA-guaranteed loans

A group of SBA loans which guarantee portions of the total amount, cap interest rates, and limit fees.

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504 loans

Long-term, fixed-rate financing to purchase or repair real estate, equipment, machinery, or other assets.

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Microloans

Our smallest loan program, providing $50,000 or less to help businesses start up and expand.

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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
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