#sba-loans
SBA loan programs, requirements, and applications
SBA 7(a) loans charge 5-3-1% on early payoffs in years 1-3; 504 penalties decline over half the term — price yours before you refinance.
A revolver charges interest only on what you draw and must be renewed; a term loan disburses once and amortizes — match short money to short needs.
SBA lenders require 1.0x global debt-service coverage across your business, affiliates, and personal debts — a side venture's losses can sink the loan.
Your NAICS code picks the SBA size standard you are judged against — wrong code, wrong yardstick, lost loans and set-asides.
SBA Microloans lend up to $50,000 through nonprofit intermediaries at 8–13% — the average loan is about $13,000, and free business coaching comes with it.
Export Express lends to $500,000, EWCP and International Trade Loans to $5 million — all with a 90% SBA guaranty. Match the program to your order.
SBA CAPLines are 7(a) credit lines up to $5M in four types — Seasonal, Contract, Builders, Working Capital — with 10-year terms and prime-based rates.
D&B Paydex grades payment speed 1–100, Experian forecasts delinquency risk, and FICO SBSS gates SBA loans at 155 — build all three from zero.
SBA 7(a) acquisition loans now need 1.25x coverage and a QoE above $3M — verify earnings, peg working capital, and diligence tax before you close.
SBA's Working Capital Pilot offers 7(a) lines up to $5M — asset- or transaction-based — with borrowing-base certificates setting availability.
USDA's B&I program guarantees up to 80% of rural business loans to $25 million with 30-year terms. Here is who qualifies and how to apply.
A paid-off loan leaves its UCC-1 live until the lender files a UCC-3 — demand it in writing and the 20-day release clock starts.
