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SBA Loan
Programs

Smart, Affordable Financing for Your Business

How It Works
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SBA 7(a) Loan – Flexible Funding for Business Growth

The SBA 7(a) loan is the most versatile SBA financing option, offering lower interest rates and longer repayment terms than traditional loans. Backed by the Small Business Administration (SBA), it provides affordable capital to help businesses grow while maintaining healthy cash flow.

Key Benefits:
  • Competitive Rates – As low as Prime + 2.75%
  • High Loan-to-Value (LTV) – Up to 90% financing
  • Generous Loan Amounts – Borrow up to $5 million
  • Extended Terms – Repayment up to 25 years
  • No Balloon Payments – Predictable, long-term financing
Check Eligibility
Speak with a Loan Expert

The Process

Simple Application

Our simple 15 second online application can get you matched with offers in minutes.

No Cost Advisor

You'll get matched with your own dedicated Business Financing Advisor at no cost!

Larger Amounts

Get matched with the best financing options with the highest funding amount.

Express Funding

Our Fintech Speed can reduce your SBA loan process to as little as 45 days!

SBA Express Loan – Get Fast Business Funding

The SBA Express Loan is designed for businesses that need quick access to working capital. With a streamlined approval process, you can pre-qualify in as little as 24 hours and receive funding fast.

Why Choose an SBA Express Loan?
  • Competitive Rates – At or below Prime + 2.75%
  • Faster Access to Capital – Pre-qualify within 24 hours
  • Flexible Loan Amounts – Up to $500K in funding
  • Shorter Repayment Terms – Up to 10 years
  • No Prepayment Penalties – Pay off early without extra fees
Apply for an SBA Express Loan
SBA express
SBA 504

SBA 504 Loan – Long-Term Financing for Fixed Assets

The SBA 504 Loan is a powerful financing solution for commercial real estate and equipment purchases. Whether you’re buying a building, funding new construction, or upgrading equipment, this loan offers long-term fixed rates and high loan-to-value financing.

SBA 504 Loan Highlights:
  • Fixed, Low Interest Rates – Stable, predictable payments
  • Up to 90% Loan-to-Value (LTV) – Preserve cash flow
  • High Loan Amounts – Fund projects over $5 million
  • Longer Repayment Terms – Up to 20 years
  • No Balloon Payments – No large lump-sum payments at the end
See If You Qualify
Schedule a Consultation

Get Pre-Qualified Today

If your business needs a small business loan to continue to grow and succeed, contact us today. We can get you started on the fast pre-qualification process and help you understand the details of the loans provided by Starting Gate Financial when you give us a call and discuss your business needs with us.

QUESTIONS

Have Questions? Let’s Talk!

Which financing option is right for you? Our experts are here to help. Let’s discuss your business needs and find the perfect business line of credit lenders that work for you.

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Need Answers? Talk to a Business Financing Advisor Today

Our Business Financing experts are here to assist you every step of the way. Whether you’re in search of your initial loan or weighing several alternatives, our experts will assist you in deciding on the perfect option suited to your unique business requirements. From expanding funding potential to obtaining better terms and reduced interest rates, we’re dedicated to your success. We’ll guide you through the entire process—from application to repayment—seamlessly, professionally, and hassle-free. Let’s begin. We’re waiting for you.

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What Do You Need To Qualify?

3+ Months in Business
You can qualify for our top financing options with as little as 3+months in business.
$5,000+ Monthly Gross Sales
The minimum revenue to qualify for financing options are $5,000 per month, or $60,000 in annual gross sales.
No Minimum FICO
We have financing options for all credit profiles. There is no minimum FICO score required to apply.
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Frequently Asked Questions (FAQs)

An SBA loan is a government-backed business loan designed to provide affordable financing for small businesses. The Small Business Administration (SBA) guarantees a portion of the loan, reducing lender risk and allowing for lower interest rates, longer repayment terms, and higher approval rates compared to traditional business loans.

We offer three main SBA loan programs:

  • SBA 7(a) Loan – The most common option, offering flexible funding for working capital, equipment, real estate, and expansion.
  • SBA Express Loan – A faster approval loan for businesses needing quick working capital (up to $500K).
  • SBA 504 Loan – Designed for purchasing commercial real estate, heavy equipment, or funding large construction projects.

Speak with an SBA Loan Expert to find the best option for your business.

Unlike conventional bank loans, SBA loans offer:

  • Lower interest rates – Often Prime + 2.75% or lower
  • Longer repayment terms – Up to 25 years for 7(a) and 20 years for 504 loans
  • Higher loan-to-value (LTV) ratios – SBA 7(a) and 504 loans cover up to 90% of project costs
  • Easier qualification – Government backing makes approval more accessible for small businesses

Approval timelines depend on the loan type:

  • SBA 7(a) Loan – Typically 60-90 days
  • SBA Express Loan – Pre-qualification in 24 hours, funding in as little as 21 days
  • SBA 504 Loan – Typically 60-90 days, depending on the project size

For faster financing, we also offer alternative loan options. Contact us to learn more.

Yes! The SBA 7(a) loan can be used for startups, as long as the business meets the eligibility requirements, including a strong business plan, financial projections, and sufficient creditworthiness.

See If You Qualify | Schedule a Consultation

  • SBA 7(a) Loan – Up to $5 million
  • SBA Express Loan – Up to $500K
  • SBA 504 Loan – Can fund projects over $5 million

No! SBA 7(a) and 504 loans have no balloon payments, ensuring stable, predictable monthly payments. SBA Express Loans also have no prepayment penalties, so you can pay off your loan early without extra fees.

Applying is simple and hassle-free:

  1. Fill out our online application in just a few minutes.
  2. Speak with an SBA loan specialist for personalized guidance.
  3. Submit required documents (business financials, tax returns, business plan, sales projections, etc.).
  4. Get matched with the best SBA lender for your needs.

Start Your Application Now