Business SBA Loans
Small Business Administration (SBA) loans are one of the most powerful financing tools available for small business owners. Backed by the federal government, SBA loans offer competitive terms, flexible use of funds, and low interest rates that make them a smart long-term funding solution.
Whether you’re just getting started, expanding operations, or investing in real estate or equipment, there’s an SBA program that fits your needs – and Quickin Funds Network is here to help you navigate the process.
What is an SBA Loan?
An SBA loan is a government-guaranteed loan designed to support small business growth.
SBA loans are ideal for businesses that meet the government’s eligibility criteria and want low-cost, long-term capital. They can be used for working capital, inventory, equipment, real estate, expansion, and more.
Explore the 3 Main Types of SBA Loans
SBA Microloan
The SBA Microloan program is designed for startups, young businesses, and underserved communities. It offers smaller amounts of capital but can be a game-changer for companies that need an early boost.
Key Features:
- Loan amounts up to $50,000
- Minimum credit required: 680 and up
- Ideal for new businesses or those with limited credit history
- Use for working capital, inventory, supplies, equipment, and more
- Flexible terms (typically up to 6 years)
- No real estate funding allowed
Great for: startups, solopreneurs, or small teams needing a manageable boost to get off the ground.
What is Revenue-Based Financing?
The SBA 7(a) loan is the most popular and versatile SBA loan. It’s ideal for established businesses seeking funding for nearly any purpose – from operations to real estate purchases.
Key Features:
- Loan amounts up to $5,000,000
- Use for working capital, debt refinancing, equipment, buying a business, and more
- Terms up to 25 years for real estate, 10 years for other uses
- Minimum credit required: 680 and up
- Low interest rates with fixed or variable options
- No balloon payments
Great for: growing businesses needing capital for expansion, large purchases, or refinancing.
SBA 504 Loan
The SBA 504 loan is geared toward major purchases that promote long-term business growth – especially real estate or large fixed assets. These loans offer long terms and low fixed rates.
Key Features:
- Loan amounts up to $5,000,000 (or higher for certain manufacturers)
- Must be used for fixed assets: commercial real estate, construction, or large equipment
- Terms up to 25 years
- Minimum credit required: 680 and up
- Typically structured with 50% from a lender, 40% from a CDC (Certified Development Company), and 10% from you
- Fixed interest rates for the CDC portion
Great for: businesses ready to invest in property, expand locations, or acquire high-cost equipment.
Why Choose Quickin Funds Network for SBA Loans?
SBA loans are powerful – but they can also be complex. At Quickin Funds Network, we help simplify the application and approval process by:
- Helping you identify the right SBA program
- Preparing and submitting your documents
- Guiding you through every step of underwriting
- Providing clear timelines and consistent communication
- Giving you access to a wide range of SBA-approved lenders
We understand the SBA process inside and out, and we advocate for your success from day one.
