Compare SBA 7(a) and SBA 504 loan offers from approved SBA lenders in one application. Government-backed rates and the longest amortizations on the market. Real offers in 48 hours.
Six questions. No documents required to start. No effect on your credit score.
Your application is broadcast to the 8–12 lenders most likely to fund your specific profile.
Live terms surface in your dashboard. Sort by APR, term, payment. No teaser rates.
One signature. Funds wire direct from the lender. Median: under 2 days end-to-end.
Fixed-rate capital with predictable monthly terms, 2 to 10 years.
Government-backed rates and the longest amortizations on the market.
Revolving capital, drawn on demand. Only pay for what you use.
Funding tied to receivables. No collateral, no fixed term.
Capital secured by the asset itself. Section 179 friendly.
Convert outstanding receivables into same-day working capital.
Founder-friendly financing built around projections, not just revenue.
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SBA 7(a) is the most flexible — up to $5M for working capital, equipment, real estate, or business acquisition. SBA 504 is specifically for major fixed assets (commercial real estate, heavy equipment) with longer amortizations and below-market rates.
Realistic timeline is 30–90 days end-to-end including SBA underwriting. The trade-off is the lowest rate available in commercial lending and 10–25 year amortizations that no other loan product can match.
SBA 7(a) lenders typically require 680+ FICO, though some accept 640+ with strong revenue. SBA 504 has similar requirements. Personal financial statements are reviewed alongside business performance.
Up to $5M for SBA 7(a). SBA 504 also caps at $5.5M for most projects. Real estate and equipment-heavy projects fit best at the higher end; working-capital uses tend to be $50K–$500K.
SBA loans over $50K typically require collateral. Approved SBA lenders take what's "reasonably available" — business assets, real estate, and personal guarantees. They won't decline solely for lack of collateral if the business is otherwise strong.
Six questions. Two minutes. No effect on your credit score. Real offers from 75 lenders within 24 hours.