SBA Loans — Government-Backed Funding for Established Businesses
Access $50,000 to $5,000,000 in SBA-backed financing with competitive rates, long repayment terms, and support from our trusted lending network.
What Is an SBA Loan?
SBA loans are partially guaranteed by the U.S. Small Business Administration, which reduces the risk for lenders and allows them to offer lower interest rates and longer repayment terms. These loans are ideal for established businesses looking to expand operations, purchase real estate, refinance debt, or invest in long-term growth. Through BusinessLoan.Directory, you can connect with SBA-approved lenders in our network and streamline the application process.
SBA Loan Details at a Glance
Loan Amounts
$50,000 to $5,000,000
Repayment Terms
10 to 25 years
Funding Speed
45+ days (expedited available)
Credit Score
680+ FICO required
Revenue Requirement
$83,000+/month ($1M+/year)
Time in Business
3+ years
Who Are SBA Loans Best For?
- Established businesses with 3+ years of operation and strong revenue
- Companies looking to purchase commercial real estate or expand locations
- Business owners who want the lowest possible interest rates and longest terms
- Franchisees seeking funding to open or grow franchise operations
- Businesses that need to refinance existing higher-interest debt
Don’t Qualify for an SBA Loan? You Still Have Options.
If your credit score, time in business, or revenue doesn’t meet SBA requirements, our lending network offers alternative funding solutions — including term loans, merchant cash advances, and lines of credit with no minimum credit score.
BusinessLoan.Directory is a Strateg
ic Funding Partner of ROK Financial.
Frequently Asked Questions About SBA Loans
Can I get an SBA loan if a bank turned me down?
Yes. Being declined by one bank does not disqualify you from SBA financing. Different lenders have different approval criteria within the SBA program. Additionally, if you do not qualify for a traditional SBA loan, our network includes SBA alternatives such as working capital loans, lines of credit, and term loans that do not require SBA approval but offer similar flexibility.
What revenue does my business need to qualify for an SBA loan?
Most SBA lenders want to see at least $10,000 to $20,000 or more in monthly revenue and at least two years of business history for a standard 7(a) loan. If your business generates $20,000 or more per month but was still declined, an SBA alternative through our lending network may be a faster path to the capital you need.
How long does SBA loan approval take?
Traditional SBA loans can take 30 to 90 days to process and fund. If you need capital faster, our network offers alternative business loans that approve and fund in as little as 24 to 72 hours.
What can I use an SBA loan for?
SBA loans can be used for working capital, equipment purchases, commercial real estate, business expansion, inventory, refinancing existing debt, and more. The SBA 7(a) program is the most flexible and commonly used option.
Is there a minimum credit score for SBA loans?
Most SBA lenders prefer a personal credit score of 650 or higher for traditional SBA loans. However, our alternative lending partners evaluate your overall business health, not just your credit score, which means more businesses qualify through our network.