SBA Financing
Whatever your SBA need might be, our team is made up of some of the top SBA experts in the country.
What is SBA Financing?
The Benefits of SBA Financing
SBA loans offer flexible terms, low interest rates, and accessible financing options designed to help businesses grow. Whether you’re expanding, purchasing real estate, or securing working capital, SBA financing provides the support you need with lower down payments and longer repayment terms than conventional loans.
Government backing
Provided by participating lenders but backed by the U.S. Small Business Administration, offer a reduced risk for lenders and increased accessibility to funding for small businesses due to the SBA's partial loan guarantee.
Longer repayment terms
Ranging from 5 to 25 years, aiding borrowers in better cash flow management through reduced monthly loan payments compared to traditional business loans.
Lower down payments
Offers lower down payments, usually around 10% to 20% of the total loan amount, enabling small businesses with limited capital or cash reserves to obtain financing more easily compared to conventional loans.
Flexible use of funds
Provides flexibility in fund utilization for various business purposes, including working capital, equipment/inventory purchases, debt refinancing, expansion/renovation projects, and business acquisitions, subject to specific restrictions that may apply based on the loan program.
Access to capital
Offers small businesses easier access to crucial capital that may be challenging to obtain through traditional lenders, as the SBA guarantee mitigates risk for lenders, enabling funding for businesses with limited collateral or credit history.
Favorable loan terms
Provides businesses with more advantageous loan terms, such as extended repayment periods, reduced down payments, and competitive interest rates, facilitating effective cash flow management and alleviating financial burden
Business growth and expansion
Enables small businesses to pursue growth and expansion by providing funds for initiatives like equipment purchases, new location expansion, or business acquisitions, unlocking their full potential.
Debt refinancing and consolidation
Offers the option for businesses to refinance and consolidate their debts, potentially lowering interest rates, extending repayment terms, and simplifying debt structures, thus reducing financial stress and enabling businesses to concentrate on growth and profitability.
Types of SBA Loans
1. SBA 7(a) Loan Program
The SBA 7(a) loan is the most common SBA loan, offering flexible funding for a wide range of business purposes, including working capital, equipment purchases, and real estate acquisition. Loan amounts go up to $5 million, with repayment terms of up to 25 years for real estate and 10 years for working capital and equipment.
2. SBA 504 Loan Program
The SBA 504 loan is specifically designed for businesses looking to purchase or improve owner-occupied commercial real estate and heavy equipment. This loan provides low, fixed interest rates and long repayment terms, making it an attractive option for companies planning long-term growth.
3. SBA Express Loan
For businesses needing faster funding, the SBA Express Loan offers a streamlined approval process with loan amounts up to $500,000. These loans are ideal for businesses needing quick access to capital for expansion, inventory, or operational costs.
Fuel Your Business Growth with SBA Financing
Secure the capital you need to expand, invest, and thrive with low rates, long terms, and flexible funding options. Whether you’re purchasing real estate, acquiring equipment, or boosting cash flow, our team at KEYZ Capital will guide you through every step of the SBA loan process.
Fast Prequalification Expert SBA Loan Guidance Top Lender Network
Frequently Asked Questions about SBA Loans
Here are some of the most common SBA questions we get asked.
SBA loans can be used for a variety of business purposes, including:
• Purchasing or refinancing commercial real estate
• Buying equipment or inventory
• Expanding or acquiring a business
• Increasing working capital
• Refinancing existing debt on better terms
Loan amounts vary depending on the program:
• SBA 7(a) Loan – Up to $5 million
• SBA 504 Loan – Typically up to $5.5 million for real estate and equipment
• SBA Express Loan – Up to $500,000 for fast funding
The maximum loan amount depends on the SBA loan program. For example, the 7(a) loan program has a maximum loan limit of $5 million, while the CDC/504 loan program can provide up to $5.5 million for eligible projects.
The SBA offers several loan programs, including the 7(a) loan program for general small business needs, CDC/504 loans for real estate and equipment financing, microloans for small amounts, and disaster loans for businesses affected by disasters.
SBA loans offer longer repayment terms than traditional business loans:
• Up to 25 years for commercial real estate
• Up to 10 years for equipment or working capital
Longer terms mean lower monthly payments, making it easier to manage cash flow.
Collateral requirements vary by loan type. While SBA loans are partially guaranteed by the government, lenders may still require business or personal assets as collateral for larger loans. However, SBA Express Loans and smaller loans often require little to no collateral.
To qualify for SBA financing, you generally need:
A for-profit business operating in the U.S. A credit score of 680+ (ideal, but lower scores may qualify) A solid business plan and financials Demonstrated ability to repay the loan Personal or business assets (for secured loans)
The SBA loan process can take 30 to 120 days, depending on the loan type, lender, and complexity of the application. SBA Express Loans have a faster approval process, often within 7 to 10 days. If you’re looking to make sure you SBA loan application goes smoothly, KEYZ Capital can help.
Yes! Startups can qualify for SBA loans, particularly SBA 7(a) loans, but they may need to provide:
• A strong business plan
• Personal financial history
• Proof of industry experience
• More detailed financial projections
Yes, most SBA loans require a 10-20% down payment, depending on the loan type and lender. However, this is significantly lower than what is typically required for conventional business loans.
Applying for an SBA loan through KEYZ Capital is simple:
1. Consultation – We assess your needs and find the best SBA loan option.
2. Document Preparation – We help gather and submit the required paperwork.
3. Loan Processing & Approval – We work with lenders to get you approved.
4. Closing & Funding – Receive funds to grow your business.
Yes! Many businesses use SBA loans to refinance high-interest debt, consolidating payments into a single, low-rate loan with longer terms. This can free up cash flow and reduce monthly obligations.
At KEYZ Capital, we specialize in SBA financing and work directly with a network of SBA-preferred lenders to ensure you get the best terms. Our team streamlines the process, so you spend less time dealing with paperwork and more time growing your business.
Why Work with KEYZ Capital?
At KEYZ Capital, we specialize in securing SBA financing for entrepreneurs and business owners. Our team has extensive experience navigating the SBA loan process, ensuring you get the best terms with minimal hassle.
1
Fast Prequalification & Expert Guidance
We simplify the SBA process to help you secure funding quickly.
2
Access to Top SBA Lenders
We connect you with a network of trusted SBA-approved lenders.
3
Tailored Solutions
We structure financing to fit your unique business needs and long-term goals.
Loan Types & Products
Business Acquisition
Acquiring a competitor? Buying our a partner? Scaling your empire? We can help.
Working Capital
The quickest way to kill a business is to run out of cash. Let’s talk working capital to keep you alive and thrive.
Equipment Financing
Need any type of business equipment or machinery to operate your business. We can likely help finance it.