SBA Loans

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Long-term financing for established small businesses with the lowest rates and longest terms available.

What are SBA Loans?

SBA loans are small business loans that are partially guaranteed by the U.S. Small Business Administration. This government backing allows lenders to offer more favorable terms, including lower interest rates and longer repayment periods than conventional business loans.

These loans are ideal for established businesses looking to expand, purchase real estate, acquire equipment, or refinance existing debt. With loan amounts ranging from $50,000 to $18 million, SBA loans can accommodate a wide range of business needs.

Key Benefits

Lowest interest rates available (starting at 5.5%)

Loan amounts from $50,000 to $18 million

Long repayment terms up to 25 years

Government-backed security

Multiple program options (7(a), 504, Microloans)

Can be used for various business purposes

Basic Requirements

Business operating for 2+ years preferred

Good personal credit score (650+)

Profitable business with positive cash flow

U.S.-based business

No recent bankruptcies or defaults

Quick Facts

Loan Amount

$50K - $18M

Interest Rate

Starting at 5.5%

Funding Time

2-12 Weeks

Terms

Up to 25 Years

No hard credit pull required

Light Speed Business Funding.ai

Your Funding Journey

From application to funding in as little as 24 hours. See how our AI-powered process makes it fast, simple, and affordable.

$45M+

Funded to Date

1,500+

Businesses Served

93%

Approval Rate

48 hrs

Avg. Funding Time

Step 1 of 5

Instant Pre-Qualification

Complete our quick online application. Our AI-powered system provides instant pre-qualification with zero hard credit pulls.

60 seconds

No credit impact

Get pre-qualified in 60 seconds • No credit impact