Government-guaranteed financing
SBA loans with longer terms and lower payments.
Government-backed financing for owners who are planning years ahead — with an advisor who tells you honestly whether it's the right fit.
- Long Terms
- Competitive Rates
- Expert Guidance
Choose your SBA program
SBA 7(a)
Up to $5 million
Up to 10 years working capital, 25 years real estate
The most flexible SBA program. Use it for working capital, refinancing costly debt, buying a business, or funding an expansion.
- Widest range of eligible uses
- Longer terms mean lower monthly payments
- Typically requires a personal guarantee
SBA 504
Up to $5.5 million per project
10, 20, or 25 year fixed-rate terms
Purchasing owner-occupied commercial real estate or major fixed assets like heavy machinery you plan to keep for decades.
- Fixed rates for the life of the loan
- Down payments often as low as 10%
- Financed asset serves as primary collateral
SBA Express
Up to $500,000
Up to 10 years, revolving options available
Owners who want SBA pricing without the full 7(a) timeline — the SBA responds to lenders within 36 hours.
- Fastest SBA turnaround
- Lighter documentation package
- Line of credit structures available
What is an SBA loan?
An SBA loan is financing made by a participating lender and partially guaranteed by the U.S. Small Business Administration. Because the government absorbs part of the lender's risk, borrowers get longer repayment terms and lower monthly payments than most conventional business financing allows.
The tradeoff is time and paperwork. SBA files require tax returns, financial statements, and a clear plan for the funds, and underwriting usually runs several weeks. For a real estate purchase or a decade-long investment, that's a fair trade. For a repair you need fixed on Friday, it isn't.
Use your SBA loan for
Working capital
Cover payroll, inventory, and day-to-day operating costs with a payment structured over years, not months.
Commercial real estate
Buy the building you already lease, or acquire the property your next stage of growth requires.
Equipment & machinery
Finance long-life assets over a term that actually matches how long you'll use them.
Debt refinancing
Replace high-cost short-term balances with a longer SBA term and free up monthly cash flow.
Business acquisition
Buy an existing business, a competitor, or a departing partner's ownership stake.
Expansion & build-out
Fund a new location, renovation, or leasehold improvements without draining reserves.
The SBA loan journey
- 1
Consultation
Day 1–2. We review your goals, revenue, and credit profile, then recommend the SBA program that actually fits — or tell you if a conventional option is faster.
- 2
Application
Week 1–2. You gather tax returns, financial statements, and a business plan or use-of-funds summary. Your advisor reviews the package before it's submitted.
- 3
Underwriting
Week 3–6. The lender verifies financials, orders appraisals or valuations if real estate is involved, and issues a commitment letter.
- 4
Funding
Week 6–10. Final conditions are cleared, closing documents are signed, and funds are disbursed. Express applications can move considerably faster.
Do you qualify?
General eligibility
- For-profit business operating in the United States
- 1 Year or more in business with steady revenue
- At least $100K in annual business revenue
- 625+ personal credit score with no recent bankruptcies
- No delinquency on existing federal debt
- Owner equity invested in the business
Free SBA consultation
SBA programs reward preparation. Spend fifteen minutes with a OracleFundingGroup advisor and we'll tell you which program fits, what documents to gather, and whether a faster option would serve you better. No cost, no obligation.
Frequently asked questions
Ready to explore SBA financing?
Talk to an advisor about SBA options, or check your rate online in minutes with no impact to your personal credit.