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Small Business Admistration Funding Programs Loans

https://www.sba.gov/funding-programs/loans

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A woman and a man review loan documents.

Loans

Start or expand your business with loans guaranteed by the Small Business Administration. Use Lender Match to find lenders that offer loans for your business.

The SBA helps small businesses get loans

The SBA works with lenders to provide loans to small businesses. The agency doesn’t lend money directly to small business owners. Instead, it sets guidelines for loans made by its partnering lenders, community development organizations, and micro-lending institutions. The SBA reduces risk for lenders and makes it easier for them to access capital. That makes it easier for small businesses to get loans.
SBA reduces risk and enables easier access to capital.

Benefits of SBA-guaranteed loans

A man reviews financial documents and enters numbers into a calculator.
Competitive terms
SBA-guaranteed loans generally have rates and fees that are comparable to non-guaranteed loans.
Two women review documents.
Counseling and education
Some loans come with continued support to help you start and run your business.
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Unique benefits
Lower down payments, flexible overhead requirements, and no collateral needed for some loans.

Stay safe

Protect yourself from predatory lenders by looking for warning signs.

Get $500 to $5.5 million to fund your business

Loans guaranteed by the SBA range from small to large and can be used for most business purposes, including long-term fixed assets and operating capital. Some loan programs set restrictions on how you can use the funds, so check with an SBA-approved lender when requesting a loan. Your lender can match you with the right loan for your business needs.
Graphic of a faucet, lightbulb, cash, and check.
Working capital
Like seasonal financing, export loans, revolving credit, and refinanced business debt.
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Fixed assets
Like furniture, real estate, machinery, equipment, construction, and remodeling.

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 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.
A storefront.
Be a for-profit business
The business is officially registered and operates legally.
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Do business in the U.S.
The business is physically located and operates in the U.S. or its territories.
A pie chart.
Have invested equity
The business owner has invested their own time or money into the business.
A rejected loan application.
Exhaust financing options
The business cannot get funds from any other financial lender.

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.

Need help? Get free business counseling.

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