SBA 7(a) Loan Program - Most flexible and widely used:

  • Loan Amounts: Up to $2,000,000 (based on actual economic injury and financial needs)
  • Interest Rates: 3.75% for small businesses, 2.75% for private non-profits
  • Terms: Up to 30 years
  • Use of Funds:
  • Working capital
  • Fixed debts
  • Payroll
  • Accounts payable
  • Rent and utilities
  • Down Payment: No prepayment penalty
  • Collateral: No collateral required for loans up to $25,000

Basic Eligibility Requirements:

  • Must be located in a federally declared disaster area
  • Must have suffered economic injury due to the disaster
  • Business must be legally registered and operating in the U.S.
  • Demonstrate an ability to repay the loan (based on credit and cash flow)
  • Acceptable credit history (typically 570+ FICO score)
  • Documentation may include: Business tax returns (up to 3 years)

Real Estate Loans for Business Owners

  • Personal tax returns (for 20%+ owners)
  • Year-to-date profit & loss statement
  • IRS Form 4506-T
  • Business debt schedule
Unlike other SBA loans, EIDL loans are direct loans from the SBA, not from private lenders. Approval and disbursement times can vary, especially during high-volume periods. If your business is in a declared disaster area and has experienced disruption, this may be a key funding source for recovery.
We are experts in helping businesses of all sizes access the capital they need to scale, expand, and succeed.
Funding Opportunities
Prequalify—No Credit Impact
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