SBA Loan
The lowest-cost money here, so long as you can wait for it
Part of an SBA loan is guaranteed by the government, and that one fact is the whole reason its rate undercuts everything else we offer while its term outlasts them all. It is also the heaviest file we handle, start to finish, and it needs 30 to 90 days to travel from a complete application to funded. If you are racing a deadline measured in days, take one of the other four now and circle back to this once the calendar opens up.
- $50,000 – $2,000,000Loan amount
- As long as 10 years for working capital, 25 years against real estateTerm
- Plan on 30 to 90 days from a genuinely complete application through to funds in the accountFunding speed
The numbers
Every figure for this product, lined up in one place
- Loan amount
- $50,000 – $2,000,000
- Pricing
- An interest rate, and the lowest you will find anywhere on this page
- Repayment
- A single monthly bill
- Term
- As long as 10 years for working capital and 25 years against real estate
- Timeline
- 30 to 90 days, complete application through to funded
- Paperwork
- Years of returns, up-to-date financials, a debt schedule and a plan in writing
The use
Where an advance earns its keep
- Planned growth, buying the building you already operate from, acquiring another business, or refinancing costly debt into something you can live with.
The fit
Whether this product is worth your next ten minutes
- Time in business
- 6 months or moreClocked from when the business began trading for real, not from the date the entity was registered.
- Monthly revenue
- $15,000 or moreWhat actually lands in the business account each month. Four even months read better here than one standout.
- Business bank account
- RequiredLive, in use, and under the trading name itself — a personal account will not stand in for it.
- Location
- United StatesThe business has to be formed and trading in the US. We put money to work across all fifty states.
Clear all of these and the file gets a proper read. That is not the same as an offer — plenty of businesses are turned down here, and we would sooner say so within the hour than string it out for a fortnight.
The detail
Sharper questions about how an advance behaves
Really, how long is the wait?
Thirty to ninety days from the point the application is truly finished. The file speeds up when the returns, the interim numbers and the debt schedule all land together, and it stalls when they trickle in over weeks. An SBA loan does not close in hours, whatever anyone tells you.
What takes a business out of the running?
A fresh bankruptcy, outstanding federal debt, taxes in arrears, or a use of the money the program will not sanction. Passive property holdings and businesses that themselves lend money sit outside the program entirely.
If a cash advance is not a loan, what is it?
It is a sale, plain and simple, and the line is a legal one rather than marketing. A named dollar sum of sales you have yet to collect moves to us, we pay a discounted price now, and we get that sum back out of your settlements as they arrive. Since nothing was lent, there is no rate, no APR and no maturity date — those belong to debt. Anyone selling you an advance as a loan has either misread the product or is betting that you will.
How does the factor-rate math work?
Once. You multiply a single time and stop. Seventy-five thousand at 1.30 means we are buying $97,500 of your coming sales, and the $22,500 between the two numbers is everything the money costs — full stop, with nothing added down the line. Time never touches that gap. Clear it in six months or eleven and it is still $22,500, the mirror image of how interest treats a running balance. You can work the sum on a napkin before signing, and the napkin will be right.
A month of soft sales — now what?
What leaves your account drops the same week your sales do, with nobody lifting a finger. We take a share, not a flat figure, so a month at half pace returns roughly half, and the calendar simply lengthens to cover the rest. Nothing gets missed, because no payment was ever scheduled to miss. That is why seasonal owners reach for an advance before anything else. An outright collapse in revenue, as opposed to a dip, is a separate talk, and one to have with us early.
The alternatives
When an advance is plainly the wrong tool
If your case suits a term loan, a credit line, equipment paper or an SBA file, the price usually lands well under an advance. Those sit on our menu too, so nudging you toward the dearer one would only cost us the next deal.
Business Term Loan
Draw the whole amount at closing and clear it on a schedule you can set your calendar by.
Explore Term LoanMerchant Cash Advance
We purchase a slice of your upcoming sales at a discount today. A receivables sale, not a loan, and priced on a factor rate.
Explore Cash AdvanceEquipment Financing
The asset itself stands behind the deal, and the price rewards you for it.
Explore EquipmentBusiness Line of Credit
Lock in the limit once, then leave it untouched until the business calls on it.
Explore Line of Credit