Long-Term Flexibility, Courtesy of Uncle Sam
SBA loans are like a financial hug from the government—low interest, extended terms, and a whole lot of growth potential.
What Is An SBA Loan?
An SBA Loan, or Small Business Administration Loan, is a funding program facilitated by the SBA and partially backed by the government. It works in partnership with financial institutions to provide small businesses with access to working capital that may otherwise be out of reach. Although qualifying for an SBA loan can be more challenging, they offer the benefits of longer repayment terms and lower interest rates. SBA loans are an excellent option for businesses seeking to grow, purchase equipment, invest in technology, or simply secure additional working capital.
SBA loans generally range from $500 to $5.5 million, depending on approval. Since the government partially guarantees the loan, it helps lower the lender’s risk, which results in more favorable rates and extended terms for the borrower.
Fixed Payments: Enjoy the simplicity of consistent monthly payments with no surprises.
SBA Loan Term Options: Loan terms are flexible, ranging from 1 year to 30 years, depending on your needs
Cost and Fees: You’ll be charged an interest rate or fixed fee, with potential for additional fees.
Flexible Loan Amounts: SBA loan amounts typically range from $500 to $5.5 million based on approval.
What You Need To Apply
Valid Form Of Identification
Provide a valid, government-issued ID such as a driver's license or passport.
Business Account & Routing Number
Provide your business’s active bank account and routing number to facilitate direct deposit and loan disbursements.
Bank Statements + Tax Returns
Submit your business’s last 3 months of bank statements to verify cash flow and financial stability.
Schedule Of Debts
Outlines all outstanding liabilities, including amounts owed, payment terms, and creditors.
Application Process
1
Apply
Submit your application online by providing basic business information and required documents, such as ID and bank statements.
2
Approval
Our team reviews your application, and once approved, you’ll receive a clear offer outlining your loan terms and payment options.
3
Funded
After approval, your funds will be deposited directly into your business account, ready to use for whatever your business needs.
SBA LoanFAQs
What are the eligibility criteria for an SBA loan?
While eligibility varies depending on the specific SBA program, key factors typically include the business being for-profit, operating within the USA, having invested equity, and showing difficulty obtaining financing from other sources.
How do I apply for an SBA loan?
To apply for an SBA loan, you’ll need to work with an SBA-approved lender and provide necessary documentation such as financial statements, business plans, and tax returns. Click Here
How can I check the status of my SBA loan application?
You can check the status of your SBA loan application by contacting your lender or using the SBA’s online portal, where you may receive updates.
What is an SBA Disaster Loan?
An SBA Disaster Loan is a government-backed loan designed to provide financial assistance to businesses affected by natural disasters, covering repairs, replacement of equipment, and other operational expenses.
Are SBA loans long-term loans?
Yes, many SBA loans, such as SBA 7(a) loans, offer long-term repayment options, with terms ranging from 5 to 25 years depending on the loan type.
Direct 2 Capital
Direct 2 Capital is dedicated to providing fast, flexible financing solutions to small businesses across a variety of industries. We specialize in offering working capital through business loans, lines of credit, and other financial products designed to support your business’s growth. Whether you need funds for expansion, inventory, equipment, or managing cash flow, we provide easy access to the capital you need, with simple terms and quick approval processes.
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