SBA Loans: Lowest Rates, Longest Terms
SBA loans offer the lowest interest rates and longest repayment terms available to small businesses, backed by the U.S. Small Business Administration to reduce lender risk and expand your access to capital.
Funding Range
$25K – $5M+
Timeline
4–6 weeks
Repayment
5–25 year terms
What is an SBA Loan?
An SBA loan is a government-backed business loan issued by approved lenders with a partial guarantee from the Small Business Administration. This guarantee reduces risk for lenders, which means lower interest rates, longer repayment terms, and more flexible qualification criteria for borrowers. The two main programs are the SBA 7(a) loan for general business purposes and the SBA 504 loan for real estate and major equipment.
Best for
- Established businesses with at least 2 years of operating history
- Owners who want the lowest possible interest rates
- Long-term investments: expansion, acquisition, equipment, real estate
- Businesses with strong revenue but limited collateral
Not ideal for
- Businesses that need capital in days rather than weeks
- Startups with less than 2 years of operating history
- Owners who prefer minimal documentation requirements
- Short-term or seasonal cash flow needs
Common use cases
Qualification basics
Minimum requirements vary by lender. These are general guidelines to help you understand if this product is a fit.
- At least 2 years in business (preferred)
- Annual revenue sufficient to service the loan
- Reasonable credit history
- U.S.-based, for-profit business
- Meet SBA size standards for your industry
How it works
Apply online
3-minute application with basic business information. No impact to your credit score.
Get matched
We identify the best SBA lender for your profile and loan purpose.
Review your options
Compare offers with clear terms. No obligation to accept.
Get funded
Close with your lender and receive capital. Expedited closing available for loans under $500K.
Why Halford Capital
One application connects you to a network of leading national banks and private credit providers. We match you to the right lender so you don't have to shop around.
Bank-Level Security
AES-256 encryption protects every application. Your data is never sold to third parties.
Transparent Process
Clear terms, no hidden fees, no obligation. You see every offer before you commit.
Expert Guidance
Our team helps you navigate options and structure the best deal for your business.
Learn more
SBA Loans
SBA Loan Requirements in 2026: Credit, Collateral, and Documentation
SBA Loans
SBA Loan Rates Today: 7(a), 504, Fees, and Monthly Payments
Rates & Trends
Business Line of Credit Rates in 2026: What Banks and Online Lenders Are Charging
Rates & Trends
2026 Business Loan Interest Rates Guide: What Borrowers Can Expect Now
Compare other financing options
If this product is close but not quite right, these pages will help you compare timelines, structures, and use cases.
Commercial Real Estate
Approval in 48 hrsSpecialized financing for commercial property acquisition, refinance, and owner-occupied expansion. We structure deals through SBA 7(a) and 504 programs to maximize leverage and minimize cost, placing your transaction with lenders who understand your property type and market.
Line of Credit
Under 1 weekA revolving credit facility that gives your business flexible, on-demand access to working capital. Draw what you need, repay, and reuse your available credit without reapplying. Designed for businesses that need ongoing liquidity to manage cash flow cycles and capture time-sensitive opportunities.
Term Loans
As fast as 3 daysA straightforward lump-sum loan with predictable monthly payments and no prepayment penalties. Faster to close than SBA and structured for established businesses that need capital with clear, simple terms without the complexity of government-backed programs.
Fast Capital
24-48 hoursRevenue-based financing designed for speed. When your business needs capital in days rather than weeks, this program underwrites primarily on recent cash flow, not credit history. Ideal for businesses that need to move quickly.
Frequently asked questions
Ready to explore your options?
One application. Multiple lender matches. No impact to your credit score.
Check My SBA Eligibility