SBA Loan Options
Fast SBA connects small business owners with independent SBA loan advisors who help you find and apply for the right SBA-backed financing. Fast SBA is not a lender and does not make loan decisions. SBA loans are issued by participating lenders and partially guaranteed by the U.S. Small Business Administration. Our service is free for borrowers.
SBA 7(a) Loans
The SBA’s primary and most flexible loan program. Borrow up to $5 million for working capital, equipment, inventory, business acquisition, partner buyouts, owner-occupied commercial real estate, or refinancing existing business debt.
Terms run up to 10 years for working capital and equipment, and up to 25 years for real estate. Rates are negotiated with the lender within SBA maximums.
Best for: most general business financing needs above $50,000.
SBA 504 Loans
Long-term, fixed-rate financing for major fixed assets: commercial real estate, heavy equipment, and facility construction or renovation.
A 504 project is typically structured three ways: a bank or lender provides about 50% of the project cost, an SBA-backed Certified Development Company provides up to 40% (SBA debenture up to $5.5 million), and you contribute a down payment of about 10%.
Best for: buying, building, or improving owner-occupied property or large equipment.
SBA Microloans
Smaller loans of up to $50,000 (the average microloan is about $13,000), delivered through nonprofit, community-based intermediary lenders. Funds can cover working capital, inventory, supplies, furniture, fixtures, and equipment. Microloans can’t be used to buy real estate or pay off existing debts.
Best for: startups and very small businesses with modest capital needs.
How Fast SBA Works
Three simple steps stand between you and the right SBA loan advisor.
Quick Pre-Qualification
Fill out a short form so we can understand your business and funding needs.
Smart Matching
We match you with trusted SBA loan experts from our partner network — tailored to your specific profile.
Personalized Outreach
Our partners reach out directly to guide you through the next steps and help maximize your chances of approval.
Not sure which loan fits your business?
That’s exactly what the advisors in our network do every day. Answer a few quick questions and we’ll match you with an independent SBA loan advisor who understands your situation, tells you honestly which program fits, and helps you prepare a lender-ready application. Free for borrowers, no obligation.