SBA Loan
Programs

Smart, Affordable Financing for Your Business

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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

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

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

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.

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.

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.

Testimonials

Our Clients Reviews

Discover the Success Stories of Clients Empowered by Our Financial Solutions

Starting Gate Financial

5.0

Based on 9 reviews

review us on

uwade alade

01:36 25 Jan 25

Syed Raza at Stargate Financial provided exceptional service in helping me secure a six-figure SBA loan. His professionalism, expertise, and efficient communication made the entire process smooth and stress-free. Syed worked quickly to ensure everything was completed on time, exceeding my expectations. I highly recommend him to anyone in need of reliable and knowledgeable loan assistance. Thank you, Syed, for your outstanding support!

Hyder Syed

03:55 21 Aug 22

Highly Recommended ⭐⭐⭐⭐⭐ !!Professional , Honest , & Excellent Customer Service w/ Ethics.

Khalid karfis

23:25 22 Apr 22

Best finance company for small business 👌

Andrew Alegnani

21:10 21 Apr 22

Syed and Starting Gate Financial are absolutely excellent! Syed is SO knowledgeable, kind and truly looks out for your best interest; and won’t rest until he makes sure he has secured the paper funding to fit your needs, not to mention that you understand everything and answers all your questions. He is also there every step of the way, and after the fact does not disappear. Keep up the excellent work!!!

Scott Mathison

21:07 21 Apr 22

They are so comprehensive and yet even if you are a new business or startup they treat you like that is their only function! They call back so much quicker than any financial service company I have ever even heard of. They take time to get to know exactly what your business needs and come up with exactly what they need.

Philip Laskaris

21:06 21 Apr 22

Syed is very knowledgeable and helpful. He truly know his industry and looks for the best options for his clients.

Travis Book

21:04 21 Apr 22

Syed is extremely helpful and honest. Always does his best to help myself and my clients.

" The unfortunate part was that it took me so long to find Starting Gate Financial. If I would have just called them first I wouldn’t have had to go through all the brain damage of trying to work with other companies. What a mess that was. Starting Gate Financial said “YES” day one, and it has been a joy ever since. I got over $30,000 in funding and it changed my business for the better, big time "

" First off, there was not ONE BANK that would even talk to me. I was about to give up, you know, throw in the towel. I thought that I had exhausted all my options until I called Starting Gate Financial. The friendly salesperson introduced me to their BOSS product and it literally saved me. I now am back on track and the future looks bright. Thank you Starting Gate Financial "

" What Starting Gate Financial offered me was light years ahead of any other company I was able to find. Starting Gate Financial's solution was to align me with three strategists to counsel me through all the areas of business finance, for literally less money than other companies wanted to just assist me with credit cards. It was a no brainer "

" Syed and Starting Gate Financial are absolutely excellent! Syed is SO knowledgeable, kind and truly looks out for your best interest; and won’t rest until he makes sure he has secured the paper funding to fit your needs, not to mention that you understand everything and answers all your questions. He is also there every step of the way, and after the fact does not disappear. Keep up the excellent work!!! "

" They are so comprehensive and yet even if you are a new business or startup they treat you like that is their only function! They call back so much quicker than any financial service company I have ever even heard of. They take time to get to know exactly what your business needs and come up with exactly what they need. "

" Syed is very knowledgeable and helpful. He truly know his industry and looks for the best options for his clients. "

Frequently Asked Questions (FAQs)

What is an SBA loan, and how does it work?

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.

What types of SBA loans are available?

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.

What are the benefits of an SBA loan over a traditional bank loan?

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

How long does it take to get approved for an SBA loan?

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.

Can I use an SBA loan for a startup?

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

What is the maximum SBA loan amount I can qualify for?

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

Do SBA loans have balloon payments or prepayment penalties?

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.

How do I apply for an SBA loan?

Applying is simple and hassle-free:

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

Start Your Application Now

SBA Loan
Programs

Smart, Affordable Financing for Your Business