SBA Loans Built for Modern Businesses
Access up to $5 million in long-term financing with lower monthly payments and competitive rates — powered by Lendesca's modern SBA lending platform.
Why SBA loans are so powerful
Backed by the Small Business Administration, these loans offer terms that traditional bank loans simply can't match, freeing up cash flow for growth.
Lower Monthly Payments
Longer repayment terms mean smaller monthly obligations, keeping cash in your business.
Longer Repayment Terms
Up to 10 years for working capital and 25 years for real estate, unmatched by conventional loans.
Competitive Rates
SBA loans cap interest rates, ensuring you get fair, manageable borrowing costs.
Higher Borrowing Capacity
Lower down payments (often just 10%) allow you to borrow more with less upfront capital.
Flexible Use of Funds
Consolidate debt, buy out a partner, acquire a business, or purchase real estate—all with one loan.
No Covenants
Fewer financial restrictions compared to traditional bank loans, giving you more operational freedom.
A Faster Path to Funding
We accelerate SBA lending by combining AI document intelligence, automated loan preparation, and structured underwriting files. We've removed the bottlenecks of traditional banking.
Slow, manual, and paper-heavy
Tech-enabled and streamlined
What SBA loans can be used for
SBA 7(a) loans are incredibly versatile, supporting a wide range of strategic business initiatives.
Business Acquisition
Buy an existing business with as little as 10% down.
Partner Buyout
Purchase a retiring or exiting partner's shares seamlessly.
Commercial Real Estate
Buy or refinance owner-occupied commercial property.
Working Capital
Inject cash for growth, hiring, or seasonal fluctuations.
Equipment
Purchase heavy machinery, specialized tools, or fleet vehicles.
Refinance Debt
Replace high-interest merchant cash advances with favorable terms.
Basic SBA Loan Qualifications
While every business is unique, these benchmarks are a great starting point for SBA eligibility.
* Note: Meeting these basic benchmarks does not guarantee approval. Final qualification depends on a full underwriting review. Startups or acquisitions may have different requirements.
How the Lendesca SBA Process Works
We've streamlined every step of the journey to get you from application to funded faster.
1. Upload Documents
Securely sync your bank accounts and drag-and-drop essential financial documents into our portal.
2. AI Extracts Data
Our intelligence engine instantly categorizes and standardizes your financials without manual data entry.
3. Loan File Prepared
We automatically assemble a structured, clean loan package designed exactly how underwriters want to see it.
4. Underwriting Review
Our lending experts review your complete file, ensuring SBA compliance and optimal structuring.
5. Closing & Funding
Sign your final loan documents digitally and receive your capital to execute your business goals.
Pros & Cons of SBA Loans
Pros
- Lower interest rates and longer terms
- Higher loan amounts up to $5M
- Flexible structures for complex needs
- Lower down payments required
Cons
- More documentation required than standard loans
- Not ideal for urgent, same-day capital needs
- Structured qualification process
Is an SBA loan right for your business?
A Great Fit If You Are:
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Buying a business or buying out a partner
SBA allows for goodwill and blue sky value in acquisitions.
-
Purchasing commercial real estate
Perfect for owner-occupied properties with long terms.
-
Refinancing expensive debt
Consolidate high-interest loans to improve cash flow.
Not Ideal If You Need:
- Funding by tomorrow morning
- Zero-documentation "lite" loans
- Seed capital for a pre-revenue startup
See What Your Business May Qualify For
Start your SBA application in minutes and get initial feedback quickly.