About SBA Loan
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 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.
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Loans for borrowers
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Contact Us NowBenefits 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.
SBA Loan - Eligibility
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.
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 U.S. 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.