Experience our streamlined SBA loan process.
Flexible SBA Loan Options
Favorable Terms
Quick Access to Capital
SBA Loan Programs Explained
SBA loans are backed by the U.S. Small Business Administration, which guarantees a portion of the loan so banks can offer lower rates and longer terms than they otherwise could. Fundmerica is a marketplace, not a lender — we match you to SBA-preferred lenders in our network so you can compare offers with a single application. Here are the programs that matter most to small businesses:
SBA 7(a) — the flagship program
The most flexible SBA loan: up to $5 million for working capital, expansion, equipment, or debt refinancing. Rates typically run 10.5%–14.5% APR with terms up to 10 years (25 for real estate). Best for established businesses that can wait 30–60 days for funding.
SBA Express — the fast track
Up to $500,000 with a decision in as little as 36 hours and funding in 5–10 business days. Slightly higher rates than 7(a) in exchange for speed. See our full SBA Express guide.
SBA 504 — real estate & major equipment
Long-term, fixed-rate financing for owner-occupied commercial real estate and large equipment, structured through a Certified Development Company.
SBA Microloans
Up to $50,000 through nonprofit intermediaries — a good fit for newer or very small businesses.
Do You Qualify for an SBA Loan?
SBA loans have the best rates, so the bar is higher than alternative funding. Lenders in our network generally look for:
- 2+ years in business (newer businesses: consider a term loan or working capital)
- 680+ personal credit score
- $200,000+ in annual revenue
- A clear use of funds and the ability to repay from cash flow
- U.S.-based, for-profit business that has exhausted other financing options
Don’t meet every box? You still have strong options — explore the full menu in our 2026 business funding guide, or see what to do after a bank denial.
SBA Loan FAQ
How long does an SBA loan take?
SBA 7(a) typically takes 30–60 days from application to funding. SBA Express is far faster — a decision in about 36 hours and funds in 5–10 business days.
What credit score do I need for an SBA loan?
Most SBA lenders want a 680+ personal score. If yours is lower, a revenue-based or working-capital product may be a better near-term fit while you build credit.
What can I use an SBA loan for?
Working capital, equipment, inventory, expansion, commercial real estate, and refinancing certain business debt. (Note: as of 2026, merchant cash advances generally can’t be refinanced with SBA funds.)
Do I need collateral?
For larger loans, usually yes, plus a personal guarantee from owners with 20%+ ownership. Smaller 7(a) and Express loans may be partially unsecured.
Will checking my SBA options affect my credit?
No. Fundmerica pre-matches you with a soft credit pull. A hard inquiry only happens once you move forward with a specific lender.
DOCUMENTS NEEDED
- How you plan to use the funds
- 3 years of business and personal tax returns
- Profit and loss statement
- Balance Sheet
- Personal Financial Statement
- Business Debt Schedule
- Bank statements (6 months)
MINIMUM QUALIFICATIONS
- 500+ FICO
- In Business 6+ Months
- $100,000+ Annual Revenue
How it Works
Apply
It takes about 15 minutes to provide us with your basic business and ownership information.
Receive Decision
Receive a decision within 24 hours. Review loan terms to determine if it makes sense for your business.
Funding
Sign documents electronically and receive funds directly to your business checking account.
Easy
Funding
Fundmerica can quickly and easily customize a small business loan that works for your business, so you can get on with the business of building your bottom line.
15 minute application
24 hour funding decisions
access funds in 2 days
loans up to $1 million
WHAT OUR CLIENTS SAY
FREQUENTLY ASK QUESTIONS
Our experienced staff will help you choose the best option for funding based on your needs and business profile. We’re here to help you every step of the way.
No, you can still qualify for business financing regardless of your personal credit history.
You can get a funding decision in as little as 24 hours! Just fill out our online application to get started.
Get Your Free Funding Quote
See what you qualify for in minutes — soft credit pull, no FICO impact. $10K–$500K, funded in 24–48 hours from 75+ sources.
- Soft pull only
- $10K–$500K
- 24–48 hr funding
- No obligation
Prefer to talk? Call (888) 490-3126 — no obligation.