Funding Programs

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Loans

Start or expand your business with loans guaranteed by the Small Business Administration.

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Investment capital

Find an investor for your business. Investors make both debt and equity investments.

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Disaster assistance

Get help after a disaster with low-interest disaster loans from the Small Business Administration.

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Surety bonds

Protect your work and your client with an SBA-guaranteed surety bond.

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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.

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.FIND LENDERS

SBA helps small businesses get loans

The U.S. Small Business Administration (SBA) helps small businesses obtain funding through different types of loans. We back traditional loans made by banks and make direct loans for disaster recovery. SBA also offered specialized COVID-19 relief programs through the end of 2021. For small businesses that need funding, SBA works with lenders to provide loans to provide traditional loans. We do not lend money directly to small business owners, unless the business is located in a declared disaster area. Instead, we set guidelines for loans made by our partnering lenders, community development organizations, and micro-lending institutions. SBA reduces risk for lenders, which makes it easier for small businesses to get loans.

SBA partners with lenders to help increase small business access to loans.

Loans for borrowers

 

7(a) loans

A group of SBA loans which guarantee portions of the total amount, cap interest rates, and limit fees.

Read more about 7(a) loans

504 loans

Long-term, fixed-rate financing to purchase or repair real estate, equipment, machinery, or other assets.

Read more about 504 loans

Microloans

Our smallest loan program, providing $50,000 or less to help businesses start up and expand.

Read more about microloans

Benefits of SBA-guaranteed loans

  • Competitive terms: SBA-guaranteed loans generally have rates and fees that are comparable to non-guaranteed loans.

  • Counseling and education: Some loans come with continued support to help you start and run your business.

  • 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. Some lenders impose unfair and abusive terms on borrowers through deception and coercion. Watch out for interest rates that are significantly higher than competitors’ rates, or fees that are more than five percent of the loan value. Make sure the lender discloses the annual percentage rate and full payment schedule. A lender should never ask you to lie on paperwork or leave signature boxes blank. Don’t get pressured into taking a loan. Survey competing offers and consider speaking with a financial planner, accountant, or attorney before signing for your next loan.

FIND LENDERS

Get $500 to $5.5 million to fund your business

Loans guaranteed by 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.

Working capital

Like seasonal financing, export loans, revolving credit, and refinanced business debt.

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 SBA 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. 

Be a for-profit business

The business is officially registered and operates legally.

Do business in the U.S.

The business is physically located and operates in the United States or its territories.

Have invested equity

The business owner has invested their own time or money into the business.

Exhaust financing options

The business cannot get funds from any other financial lender.

Loans for exporters

Most U.S. banks view loans for exporters as risky. This can make it harder for you to get loans for things like day-to-day operations, advance orders with suppliers, and debt refinancing. That’s why SBA created programs to make it easier for U.S. small businesses to get export loans.

To learn how SBA can help you get an export loan, contact your local SBA International Trade Finance Specialist or SBA's Office of International Trade.

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.

FIND LENDERS

Image by Kristin Wilson
Confident Businesswoman
Business Owner in Workshop