SBA loans are government-backed financing products that offer the most favorable terms available to small businesses — lower interest rates, longer repayment periods, and larger loan amounts than most conventional products. Our network of SBA-approved lenders makes the process faster and simpler than applying directly to a bank.
Most popular SBA program. Up to $5M for working capital, equipment, debt refinancing, or real estate. Terms up to 25 years. Rates: prime + 2.75–4.75%.
SBA loans require 2+ years in business and more documentation. If you need faster funding, consider:
For major fixed assets — commercial real estate and large equipment. Up to $5.5M. Below-market fixed rates. 10–25 year terms.
For startups and micro-businesses. Up to $50,000. More flexible requirements than standard SBA products. Rates typically 8–13%.
| Factor | SBA Loan | Conventional ROK Loan |
|---|---|---|
| Interest Rates | Lowest available | Varies by lender |
| Loan Amount | Up to $5.5M | Up to $10M |
| Approval Time | 2–8 weeks | 4 hours |
| Paperwork | Extensive | Minimal |
| Credit Required | 620+ | None |
| Time in Business | 2+ years (usually) | 6 months |
SBA loans are ideal if you have good credit, 2+ years in business, and can wait for approval. For businesses that don't meet these criteria, Our conventional products provide faster, more accessible alternatives.
Our SBA specialists guide you through the entire process.
Start SBA Application →| SBA 7(a) Max | $5,000,000 |
| SBA 504 Max | $5,500,000 |
| Microloan Max | $50,000 |
| Max Term | 25 years |
| Rate Type | Fixed or Variable |
Free application. No hard credit pull. Expert advisor assigned immediately.
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