SBA Loans
The lowest cost of capital a small business can get
SBA 7(a) and 504 programs are partially guaranteed by the federal government, which lets us offer longer terms and lower rates than conventional credit.
- Up to $0M
- Loan amount
- 0 – 25 years
- Term length
- Prime + 0.00%
- Rates from
- 0 – 90 days
- Time to close
Best for
Is this the right fit?
- Acquiring a business or buying out a partner
- Purchasing owner-occupied commercial real estate
- Refinancing high-cost debt into a long amortization
- Major expansion where a low monthly payment matters most
- Established businesses that can wait for the best pricing
Typical requirements
- 2+ years in business (most programs)
- 650+ personal credit score
- Demonstrated ability to repay from cash flow
- Two years of business and personal tax returns
- 10% equity injection on acquisitions
How it works
From application to funded
No document black holes. You always know what stage you're in and what happens next.
Pre-qualification
We confirm eligibility and size the request before you assemble a full document package.
Package and underwrite
Your advisor manages the checklist, underwriting questions, and SBA authorization end to end.
Close and fund
Most files close in 30–90 days depending on real estate, appraisals, and program type.
FAQ
Questions, answered
What's the difference between 7(a) and 504?+
7(a) is the flexible general-purpose program. 504 is specifically for real estate and heavy equipment, at a fixed rate through a certified development company.
Is a personal guarantee required?+
Yes. Any owner with 20% or more of the business must personally guarantee an SBA loan.
Can I get bridge funding while waiting?+
Often, yes. Many clients run a short-term loan or line alongside the SBA file and retire it at close.
Are there prepayment penalties?+
7(a) loans with terms of 15+ years carry a declining penalty in the first three years. Shorter terms generally have none.
One application, many options
Apply once and we match your file against the products that actually fit.
A real advisor
Every business is assigned a dedicated Flyfill advisor from application through payoff.
No surprises
Total cost of capital, payment schedule, and prepayment terms disclosed up front.
Ready when you are
One short application. A dedicated advisor. Funding decisions instant to 2 hrs.