Apply online
Entity, amount, use of funds. Soft inquiry to start.
Funding product
Longer. Cheaper. More documented.
SBA paths can be among the least expensive operating facilities. They are also slower, more documented, and subject to program rules we do not write.
What it is
SBA-guaranteed loans are issued by lenders under agency programs — not by this website. They often carry longer terms and lower cost than short-term private products, in exchange for more paperwork, use-of-proceeds rules, and time.
is not the SBA and not a bank. We may help a file find a path. Eligibility is the lender’s and the agency’s.
Who it fits
Operators who can wait, document, and whose use of funds fits program rules: expansion, equipment, working capital in some 7(a) cases, owner-occupied real estate in others. It is the wrong tool for a payroll that is due Friday.
Process
Review
Deposits, obligations, and whether this structure is even in scope.
Get funded
Written terms before a signature, if a source can underwrite it.
When it fits
Longer, often lower-cost capital when you can wait weeks and assemble fuller documentation — we are not the SBA.
When it does not
Same-week emergencies; SBA paths are not a soft-launch overnight product.
Who typically qualifies
Stronger operating history and docs. Soft inquiry to start a marketplace review; SBA eligibility is separate.
Eligibility snapshot
A starting frame — not a decision.
Time in business
Often around six months or more of operating history.
Revenue
A common conversation starts near $15,000 in monthly deposits.
Credit
Personal credit around 500 or higher is a typical starting mention.
Read this before you prefer this product
Ask which program is actually in play, who the issuing lender is, what collateral is required, and how long the file typically takes. Ignore any site that “guarantees SBA approval.”