IRONCLAD

SBA Loans.

Government-backed loans with the lowest rates and longest terms available to small businesses — the paperwork is heavier, so we manage the process end to end and keep it moving.

Amounts $50K–$5M Term Up to 25 years Funding 30–60 days
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What It Is

The Best Terms Available.

SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer the lowest rates and longest repayment terms available to small businesses — up to 25 years on real estate. For established, profitable companies planning major moves, nothing beats the cost of capital.

The trade-off is paperwork and time: SBA loans take 30 to 60 days and require detailed documentation. That's where we earn our keep — we package the application, manage the back-and-forth, and keep the file moving so you can focus on your business.

Best For

  • Established, profitable businesses
  • Commercial real estate purchases
  • Major expansion or acquisition
  • Refinancing into the lowest rates
The Process

How SBA Loans Works.

01

Pre-Qualify

We review your financials to confirm SBA eligibility before investing in the full package.

02

Package & Submit

We assemble the documentation and submit a clean, lender-ready application on your behalf.

03

Close & Fund

After underwriting and approval — typically 30–60 days — you close and receive your funds.

Rates & Terms

The Numbers.

Loan amount
$50,000 – $5,000,000
Term length
Up to 25 years
Interest from
Prime + 2.75%
Down payment
10 – 20% typical
Funding speed
30 – 60 days
Guarantee
SBA-backed (7(a) / 504)

Illustrative ranges. Actual amounts, rates, and fees are set by underwriting based on your business profile.

Eligibility

What You'll Need.

SBA loans set a higher bar — stronger credit, time in business, and profitability improve approval odds.

  • 6+ months in business
  • $15,000+ in monthly revenue
  • 500+ personal credit score
  • Business bank account in good standing

Checking your options is a soft pull — it never affects your credit score. Most decisions land within hours.

Why Operators Choose It

The Benefits.

Lowest Rates

SBA backing unlocks the most affordable rates we offer.

Longest Terms

Repay over as long as 25 years for real estate.

Large Amounts

Borrow up to $5M for major investments.

We Do the Paperwork

We package and shepherd the application so you don't drown in forms.

Lower Payments

Long terms and low rates keep monthly payments down.

Build for the Future

Ideal for real estate, acquisitions, and lasting expansion.

Questions

SBA Loans FAQ.

Typically 30 to 60 days from application to funding. The SBA process is thorough, but we manage the documentation to keep it as fast and smooth as possible.

SBA loans favor established, profitable businesses with solid credit. On top of our baseline (6+ months, $15K+ monthly revenue, 500+ score), stronger financials materially improve your odds.

Working capital, equipment, commercial real estate, business acquisition, and debt refinancing are all common, eligible uses.

Banks often turn away applicants over incomplete paperwork. We package the file, anticipate lender questions, and keep the process moving — significantly improving approval odds.

Compare Options

Related Funding.

Long-Term Loans

Larger capital over multiple years with lower monthly payments.

Learn more

Equipment Financing

Finance vehicles, machinery, and tools with the asset as collateral.

Learn more

Line of Credit

Keep a revolving reserve on tap and pay interest only on what you draw.

Learn more

Common industries that use an SBA loan: Real Estate, Hospitality, Healthcare.

Lock In the Best Terms.

Let our SBA specialists package your loan from start to finish.

Apply Now