SBA Loans

Loans for small businesses.

Funds in as little as 45 days
Finance $50,000 to $5 million
Terms from 10 years to 25 years

What Do You Need To Qualify?

Profitable Operating Income

Your business has a strong and profitable operating income.

2 Years in Business

You can qualify for our top financing options with just 2 years in business.

650+ Credit Score

We offer financing options for any credit profile from 675.

What is SBA Loan?

An SBA Loan is a government-backed loan designed to help start or grow a business. Eligibility requires meeting size standards, demonstrating repayment ability, and having a solid business purpose. SBA loans reduce lender risk by being government-guaranteed.

Lower Interest Rates

The government backing reduces risk for lenders, allowing for more competitive rates.

Longer Repayment Terms

This helps ease cash flow pressure by spreading out repayments over a longer period.

Larger Loan Amounts

SBA loans can provide larger sums, which is ideal for major business investments.

Flexible Fund Usage

You can use the funds for a wide range of business purposes, including expansions and equipment.

Pros and Cons of SBA Loan

An SBA loan can be a great option for businesses seeking low-interest rates, long repayment terms, and larger loan amounts with flexible fund usage. However, it may not be ideal for those who need quick funding, as the application process is lengthy and requires strict eligibility criteria, collateral, and personal guarantees.

Low Interest Rates: SBA loans offer lower interest rates compared to traditional and alternative financing options.
Longer Repayment Terms: Loan terms extend up to 25 years, reducing monthly payment burdens for businesses.
Higher Borrowing Limits: Businesses can access up to $5 million in funding for expansion, equipment, or working capital.
Government-Backed Security: The SBA guarantees a portion of the loan, making approval easier for small businesses.
Flexible Fund Usage: Funds can be used for various business needs, including real estate, refinancing, or growth.
Business Growth Support: SBA programs offer additional resources, counseling, and mentoring to borrowers.
Lengthy Process: Applications can take weeks or months to process.
Strict Eligibility: Requires meeting specific criteria like size, credit score, and financial stability.
Collateral Needed: Often requires collateral to secure the loan.
Personal Guarantee: Owners may need to risk personal assets.
Delayed Funding: Funds are not disbursed quickly.
Highly Competitive: Approval can be challenging due to high demand.

How to Apply ?

- Check if your business meets SBA eligibility requirements.
- Gather necessary documents (e.g., financial statements, business plan).
- Choose the right SBA loan type. Find an SBA-approved lender.
- Submit your application with required documents.
- Wait for review, approval, and funding.

Apply

Why Reveal Lending

Stellar Reputation

With Our 5-star ​reviews, our business financing ​experts will work with you​ to solve your business challeng​es.

Technology-​first Approach

Reveal Lending uses AI to ​streamline the funding process. ​Get an instant pre-approval an​d flexible loan options that fi​t your business needs.

Multiple Options

Choose an offer that makes the ​most sense for you and your ​business. Compare offer terms ​and choose what works best.

Zero
Surprises

Choose an offer that makes the ​most sense for you and your ​business. Compare offer terms ​and choose what works best.

Term Loans

Loans offered through our partners may range from $10,000 to $500,000, with repayment terms of 6 to 36 months. Interest rates start as low as 4%, depending on creditworthiness and lender criteria. Specific terms will be provided by the lender during the application process.

Reveal Lending does not charge fees for our services. All loan terms, rates, and fees are determined by the lender. Approval and funding are subject to lender terms and conditions.

Apply Now

Discover Lending Intelligence—our perfect blend of fast delivery and exceptional customer care

Getting started is simple!

1

Apply Online

Complete our streamlined application in minutes and upload your business documents with zero risk. Check Eligibility

2

Review Your Offers

Compare offers with expert guidance from our team and choose the best one for your needs.

3

Receive Funds

Seize growth opportunities or tackle new challenges with confidence and immediate support.

Frequently Asked Questions

What's the difference between SBA and other loan types?

SBA loans are government-backed, offering lower interest rates, larger amounts, and longer terms but require strict eligibility, collateral, and a lengthy application process. Other loans are privately funded, with faster approvals, flexible usage, and fewer requirements but often have higher rates and shorter terms.

How to apply for SBA loan?

An SBA 7(a) loan is the SBA’s main loan product. While not directly issued by the SBA, it guarantees a portion of the loan, caps interest rates, and limits fees. Qualified business owners can use a 7(a) loan for nearly any business purpose.

What is an SBA loan?

An SBA Loan is a government-backed loan for starting or expanding a business. It requires meeting eligibility standards, such as business size, repayment ability, and purpose. Backed by the government, it reduces risk for lenders.Complete our 15-second online application to see if an SBA Loan is right for your business and speak with a financing advisor today!

What is an SBA 7(A) loan?

An SBA 7(a) loan is the SBA’s main loan product. While not directly issued by the SBA, it guarantees a portion of the loan, caps interest rates, and limits fees. Qualified business owners can use a 7(a) loan for nearly any business purpose.

What is an SBA 504 loan?

SBA 504 loans are used for purchasing fixed assets like equipment or real estate, which serve as collateral. These loans may require a down payment and are provided through Certified Development Companies (CDCs), not lenders.