SBA Loans Backed by the Government

An SBA loan is a small business loan partially guaranteed by the U.S. Small Business Administration, which reduces the lender's risk and typically translates into lower interest rates and longer repayment terms than most alternative financing. FundZip connects you with SBA 7(a) and 504 programs through our lending network alongside faster alternative options.

Because SBA loans are backed by the government, they involve more documentation and underwriting than a typical working capital loan, so approval and funding usually take longer. See our dedicated SBA 7(a) Loans page for the most common program in detail.

SBA loan eligibility generally follows SBA size standards and requires the business to be for-profit and operating in the U.S. or Canada. As a starting point on FundZip, your business should be operating for at least 3 months and generating revenue.

There's no hard credit check to see what you qualify for. If your business needs cash faster than an SBA loan can typically fund, we'll also show you faster alternatives like working capital loans or a line of credit.

There's no fixed maximum funding amount through FundZip's SBA programs — rates and terms are determined by the specific SBA program and your business's qualifications. SBA loans generally offer some of the most competitive rates and longest terms available to small businesses, in exchange for a longer, more document-heavy approval process.

Some SBA loans may require collateral depending on the loan amount. If speed matters more than the lowest possible rate, ask about our faster working capital and line of credit options during the application.