SBA Loans (Small Business Administration Loans)

Affordable, Government-Backed Financing for Growing Businesses

What It Is:

SBA loans are partially guaranteed by the U.S. government, making it easier for small businesses to qualify for large loans at favorable terms.

Popular SBA Programs:

• SBA 7(a) – Ideal for working capital, business expansion, and real estate

• SBA 504 – Specifically for purchasing or improving commercial real estate and equipment

Loan Features:

• Loan Amounts: Up to $5 million

• Low Down Payments (as little as 10%)

• Long-Term Repayment (up to 25 years)

• Lower Interest Rates than traditional loans

Who Should Apply:

• Small to mid-sized construction firms

• General contractors with limited cash reserves

• New or expanding businesses needing real estate or equipment

Benefits:

• Easier qualification process

• Support for underserved markets

• Stable, long-term financing