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SBA Loans – Small Business Administration

A loan from the U.S. Small Business Administration is the smartest and most affordable way to obtain financing for your small business. SBA loans are partially guaranteed by the federal agency, which allows lenders to offer you flexible terms and low-interest rates.

Read on to find out if your business qualifies for an SBA 7a or a 504 loan.

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SBA Loans Pre-Qualification


Loan Amounts

From $200,000 to $10,000,000

Flexible Rrepayment

3 to 25-year terms

SBA Loan Rates

Lowest rates: 5% to 9%

  • SBA Loan Programs
  • SBA 7a Loan
  • SBA CDC/504 Loan
  • Eligibility Requirements

SBA Loan Programs

There are different types of SBA funding programs for business owners. Deciding which one is right for you, will depend on the goals and needs of your business, its size, and the time operating.

The only two loan programs that are available through GoKapital are the 7(a) and the 504. If you’re looking for other types of SBA financing programs, visit the Small Business Administration’s website by clicking any of the links below.

CAPLines / Export Loans / Disaster Loans / Microloans

SBA 7a Loan

The 7a  is the most popular loan program. The loan amounts on the 7a program could go up to $5 million. Business owners love it for its long terms and flexibility, and because you can use it to alleviate most of the business necessities—making the loans more manageable for borrowers.

The Small Business Administration 7a loan could be used to purchase or lease equipment and machinery, inject working capital into your business, refinance existing debt, purchase an existing business, purchase furniture, construction & remodeling, acquiring real estate, fulfill seasonal inventory demands, and much more.

SBA’s Features

  • Up to $5,000,000
  • Funding time: 30-60 days
  • Lowest interest rates (5%-9%)
  • Long repayment terms (3-25 years)
  • Great for Businesses that need working capital
  • Funds could be used for general business purposes
  • The most affordable way to obtain financing for your business
Loan  Requirements
  • Credit Score (FICO): Above 680
  • No recent bankruptcies, tax liens, or foreclosures
  • Collateral might be required if the loans are above $25,000
  • The business must be physically located in the United States
SBA CDC/504 Loan Program

The Certified Development Company (CDC) loan was designed for businesses that wish to purchase fixed assets for expansion or modernization such as business equipment, machinery, furniture, or commercial real estate. It requires a low down payment (Starting at 10%) and provides fixed interest rates with long repayment periods.

CDC/504 loans are popular among businesses that are planning to buy or build owner-occupied commercial properties. However, these businesses have to occupy at least 51 percent of the commercial building.

SBA 504 Loan Features
  • Loan Amounts: Up to $10,000,000
  • Terms: 10-20 years
  • Funding time: 30-60 days
SBA 504 Loan Requirements
  • Business must have a net worth of less than $15 Million
  • Business must have an average net income less than $5 million after taxes for the preceding two years.

If you’re not sure which loan program is right for you, Stirling investment group can help. Talk to one of our specialists, and he or she will evaluate your business’ needs, explain the pros and cons of each program, and help you decide which program is right for you. And if your business is still not yet eligible for SBA funding, we will be honored to work together until we secure the much-needed financing.

7a vs 504

Eligibility  Requirements

In order to expedite the process, you should have certain documents ready before applying for a loan.

Here’s just some of what you’ll need to apply for a small business administration loan: