$50K - $5M
SBA Loans
Government-backed loans with some of the best rates and longest terms available. We guide you through the SBA process from start to finish.
SBA Loans
$50K - $5M
Overview
SBA loans are government-backed financing programs administered through the U.S. Small Business Administration. They offer some of the lowest interest rates and longest repayment terms available to small businesses — up to 25 years for real estate and 10 years for working capital. The tradeoff is a more involved application process, which is exactly where Sagamore adds value. We guide you through every step: determining which program fits (7(a), 504, or Express), preparing your documentation, connecting you with SBA-preferred lenders, and shepherding the application through approval.
Key Features
- Lowest available interest rates
- Terms up to 25 years
- 7(a), 504, and Express programs
- Full application guidance and support
Funding Range
$50K - $5M
Category
Specialty Programs
Specialized funding vehicles for unique business needs.
Ready to get started?
Apply once and we will match you with the best options for your business.
Start ApplicationStep by Step
How SBA Loans works
Determine the right SBA program
We review your business profile, funding needs, and timeline to recommend the right program — 7(a) for general business purposes, 504 for real estate and equipment, or Express for faster decisions on smaller amounts.
Prepare your application package
SBA loans require more documentation than conventional products. We help you assemble everything — business plan, financial projections, tax returns, and SBA-specific forms — so nothing is missing when the application is submitted.
Submit to SBA-preferred lenders
We connect you with lenders who have established SBA relationships and high approval rates. Your pre-packaged application moves through their process faster because the documentation is complete and organized.
Close and receive funding
After SBA approval, the lender finalizes the loan and disburses funds. Typical timelines are 30-90 days from application to funding, depending on the program and deal complexity.
Why Choose This Product
Built for growing businesses
Best Available Rates
SBA loans consistently offer the lowest interest rates available to small businesses, often several points below conventional loans.
Longest Terms
Up to 25 years for real estate, 10 years for working capital. Longer terms mean lower monthly payments and better cash flow.
Expert Navigation
The SBA process is complex. We handle the paperwork, lender matching, and application management so you can focus on your business.
Eligibility
Who qualifies for SBA Loans
- Minimum 650 credit score (SBA programs typically require higher credit than conventional business loans)
- At least 2 years in business (SBA Express may accept newer businesses)
- Business must meet SBA size standards for your industry
- Must be a for-profit business operating in the United States
- Business owner must have no recent bankruptcies, defaults, or government debt delinquencies
- Demonstrated ability to repay from business cash flow
Real-World Scenarios
Common use cases
A bakery owner uses an SBA 7(a) loan for $350K to open a second location, taking advantage of a 10-year term at a rate several points below what conventional lenders offered.
A manufacturing company secures an SBA 504 loan for $1.5M to purchase and renovate an industrial facility, putting down only 10% compared to the 25% required by conventional lenders.
A veterinary practice obtains an SBA Express loan for $75K in working capital within two weeks, using the streamlined process for smaller loan amounts.
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SBA Loans vs. alternatives
SBA loans offer the lowest rates and longest terms of any business lending product, but they come with the most involved application process and longest approval timelines. If you need capital within days rather than weeks, a term loan or line of credit provides faster access at slightly higher rates. For commercial real estate specifically, the SBA 504 program offers lower down payments than conventional commercial mortgages, but the process is more complex. Equipment financing is a simpler alternative to SBA loans for equipment purchases, though SBA rates are typically lower.
Frequently Asked Questions
Common questions about SBA Loans
Most SBA loan programs require a minimum credit score of 650-680, which is higher than many conventional business lending products. The SBA places significant weight on credit history, including no recent defaults, bankruptcies, or government debt delinquencies.
SBA loans typically take 30-90 days from application to funding, depending on the program. SBA Express can close in 2-4 weeks for amounts under $500K. Standard 7(a) and 504 loans take longer due to additional underwriting and government approval steps.
SBA loans require comprehensive documentation: 2-3 years of business and personal tax returns, a business plan with financial projections, current financial statements, a personal financial statement (SBA Form 413), a statement of ownership, and various SBA-specific forms. We help you compile everything.
SBA 7(a) is the most versatile program — use it for working capital, equipment, real estate, or debt refinancing. SBA 504 is specifically designed for real estate and major equipment purchases, typically offering lower down payments (10%) and fixed rates on the SBA-guaranteed portion. The right choice depends on your specific use of funds.
Some SBA programs, particularly SBA Express, may accept businesses with less than two years of history if you have strong personal credit, relevant industry experience, and a solid business plan. Standard 7(a) and 504 programs generally prefer at least two years of operating history.
Yes. SBA loan applications involve a hard credit inquiry as part of the underwriting process. However, multiple inquiries for the same type of loan within a 14-45 day window are typically counted as a single inquiry by credit scoring models.
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