Government-backed growth capital
SBA 7(a), SBA 504, and SBA Express financing offers some of the lowest rates and longest repayment terms available — ideal for major expansions, commercial real estate, working capital, or refinancing high-interest debt.
Compare programs
Different SBA programs are built for different business goals. Understand which direction may make sense before you spend time gathering documents.
Best for
Smaller SBA requests, faster review, working capital, general business needs
Key details
SBA Express loans have a maximum loan amount of $500,000, and lenders use delegated authority and their own procedures in exchange for a lower SBA guaranty percentage.
Best for
Working capital, expansion, equipment, refinancing debt, real estate, or buying a business
Key details
SBA 7(a) is the SBA's primary business loan program, with loan amounts up to $5 million and allowed uses including working capital, equipment, real estate, debt refinancing, and changes of ownership.
Best for
Commercial real estate, major equipment, construction, modernization, or long-term fixed assets
Key details
SBA 504 provides long-term, fixed-rate financing for major fixed assets that promote business growth and job creation, with a maximum loan amount of $5.5 million.
Find your path
Not sure which SBA option you need? Use this as a starting point, then check whether your business may be ready for a deeper SBA review.
SBA loans can be powerful, but they usually require more documentation than fast working capital products. You may be a stronger SBA candidate if you have:
Eligibility snapshot
Eligibility includes being an operating for-profit business located in the U.S., meeting SBA size requirements, being creditworthy, and showing a reasonable ability to repay.
Eligibility includes operating as a for-profit company in the U.S., having tangible net worth under $20 million, and average net income under $6.5 million after federal income taxes for the two years before application.
Guidelines
Why start with No Limit Solutions
SBA loans can be worth the effort, but they are not always simple. We help owners understand the likely path and avoid time spent on the wrong product.
Not every business is ready for SBA financing today. That does not mean funding is off the table.
If SBA is too slow, too document-heavy, or not the right fit, we can review other options — including working capital, term financing, lines of credit, equipment financing, and debt consolidation.
Documents
You do not need to upload everything to start. If your business appears to be a possible SBA fit, these are some of the documents that may be requested later.
FAQ
SBA Express suits smaller requests that need a faster lender process. SBA 7(a) is the broadest option, covering working capital, expansion, equipment, refinancing, and buying a business. SBA 504 is built for commercial real estate and major fixed assets.
Generally $100,000+ in annual revenue, two or more years in business with a strong financial history, a credit score of 650 or better, and no recent bankruptcies, foreclosures, or tax liens.
From $50,000 up to $5 million. SBA Express caps at $500,000, SBA 7(a) at $5 million, and SBA 504 at $5.5 million for qualifying fixed-asset projects.
SBA is document-heavy and slower than fast working capital products. If timing is critical, we can review quicker options alongside the SBA path.
No. You start with a short form. If your business looks like a possible SBA fit, items such as bank statements, tax returns, financial statements, and a use-of-funds explanation may be requested later.
Not every business is ready for SBA financing today, and that does not mean funding is off the table. We can review working capital, term financing, lines of credit, equipment financing, and debt consolidation instead.
Start with a short form, see the likely SBA direction, and compare it against faster funding when timing matters.
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