SBA Loans to Buy, Build, or Grow Your Business
Government-guaranteed loans that make long-term financing more accessible for American entrepreneurs.
Trusted by 5,000+ businesses nationwide
Loan Qualification Index
High Approval Rate
Typical Term
10-25 Years
Max Amount
$5M
What is an SBA Loan?
SBA loans are small business loans partially guaranteed by the U.S. Small Business Administration and funded by SBA-approved lenders like Lendex USA. This guarantee reduces the risk for lenders, allowing us to offer terms that might otherwise be unavailable.
The main SBA loan programs—7(a), CDC/504, and microloan—can be used for a wide range of business purposes, including:
- Working capital
- Purchasing inventory or equipment
- Refinancing other debts
- Buying real estate
Why Choose Lendex USA for SBA Loans?
Institutional power meets agile fintech speed.
Competitive Interest Rates
Take advantage of some of the lowest rates in the market. Current SBA loan rates at Lendex USA range from 10.25% to 15.25%, significantly lower than many alternative lending options.
10.25%
Starting Rate
Institutional
Pricing Models
Long Repayment Terms
Preserve your cash flow with extended repayment windows anywhere from 10 to 25 years.
Total Flexibility
Funds can be used for virtually any business purpose, including working capital and microloans.
Institutional-Grade Security
Your data is protected by the same encryption standards used by global financial institutions. Trust and reliability are the foundation of Lendex USA.
Explore SBA Loan Types
Find the specific program tailored to your growth trajectory.
SBA 7(a) Loans
The SBA’s main loan program. Versatile capital for wide-ranging business purposes with highly competitive interest rates determined by Lendex USA based on credit and terms.
Terms
10–25 Years
Max Amount
$5 Million
SBA Express Loans
Part of the 7(a) program but built for speed. Available as term loans or lines of credit. No collateral required for loans under $50,000. Fees waived for veterans.
Terms
10–25 Years
Max Amount
$500,000
SBA CDC/504 Loans
Optimized for fixed assets, upgrading existing assets, or purchasing real estate. Structured as a partnership between private lenders and Certified Development Companies.
Terms
10–25 Years
Max Amount
$5 Million
SBA Microloans
Ideal for newer businesses or startups needing smaller amounts of working capital. Lower credit requirements make this the most accessible SBA path for new owners.
Terms
7 Years
Max Amount
$50,000
Qualifications for an SBA Loan
While requirements vary by program, these are the typical benchmarks for Lendex USA applicants.
$8K+
Monthly Revenue
Verified business income for the last 12 months.
640+
Credit Score
Personal credit score of at least 640 (SBA 7a preference).
2+ Years
Time in Business
Demonstrated operational history (excluding Microloans).
Standard SBA Eligibility Rules
The business must operate for profit within the U.S., meet SBA size requirements, be creditworthy, and demonstrate the inability to get financing elsewhere on reasonable terms.
Frequently Asked Questions
Everything you need to know about the process.
What is the easiest SBA loan to get?
What are the downsides to an SBA loan?
What are the requirements for an SBA loan?
Can a startup get an SBA loan?
How long does the funding process take?
Ready for funding?
See what you can qualify for in minutes. No impact on your credit score to check your initial offers.
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