{"id":30583,"date":"2024-08-20T18:59:37","date_gmt":"2024-08-20T18:59:37","guid":{"rendered":"https:\/\/www.credibly.com\/?page_id=30583"},"modified":"2025-12-01T17:14:04","modified_gmt":"2025-12-01T17:14:04","slug":"sba-loan","status":"publish","type":"page","link":"https:\/\/www.credibly.com\/sba-loan\/","title":{"rendered":"SBA loans &#038; financing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"30583\" class=\"elementor elementor-30583\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fa13556 jf-new-sp-two-boxes elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa13556\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2a3f0ba jf-sp-box-green-1\" data-id=\"2a3f0ba\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47a85f2 elementor-widget elementor-widget-image\" data-id=\"47a85f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"81\" height=\"81\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/trust-alt-1.png\" class=\"attachment-full size-full wp-image-27935\" alt=\"trust-alt\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f447173 elementor-widget elementor-widget-heading\" data-id=\"f447173\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Get SBA financing with confidence<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3f6da2 elementor-widget elementor-widget-text-editor\" data-id=\"a3f6da2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>What you can get with an SBA 7(a) loan:<\/strong><\/p><ul><li>Favorable rates and terms.<\/li><li>Flexibility in use, from acquiring real estate to equipment purchases.<\/li><li>Be matched with a lender in the 7(a) Loan Program according to your needs.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bc53fbd jf-sp-box-white-1\" data-id=\"bc53fbd\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8844052 elementor-widget elementor-widget-image\" data-id=\"8844052\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"81\" height=\"81\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/requirement-icon.png\" class=\"attachment-full size-full wp-image-27944\" alt=\"Requirements to qualify\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a4e261 elementor-widget elementor-widget-heading\" data-id=\"3a4e261\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Requirements to qualify\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2036592 elementor-widget elementor-widget-text-editor\" data-id=\"2036592\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>While requirements will vary by lender, you will generally need to:<\/strong><\/p><ul><li>Be an operating business.<\/li><li>Operate for profit.<\/li><li>Be located in the U.S.<\/li><li>Be small under <a href=\"https:\/\/www.ecfr.gov\/cgi-bin\/text-idx?SID=d57076137bedbb82c43cc47e478d10f9&amp;mc=true&amp;node=pt13.1.121&amp;rgn=div5\">SBA Size Requirements.<\/a><\/li><li>Not be a type of <a href=\"https:\/\/www.ecfr.gov\/current\/title-13\/section-120.110\">ineligible business.<\/a><\/li><li>Not be able to obtain the desired credit on reasonable terms from non-Federal, non-State, and non-local government sources.<\/li><li>Be creditworthy and demonstrate a reasonable ability to repay the loan.<\/li><li>Check the SBA website for <a href=\"https:\/\/www.sba.gov\/funding-programs\/loans\/7a-loans\">additional terms, conditions and eligibility<\/a>.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-791d7af jf-new-sp-text-image elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"791d7af\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cffc985\" data-id=\"cffc985\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-532903c elementor-widget elementor-widget-heading\" data-id=\"532903c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fast SBA loans for small businesses: how do they work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ccfada6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ccfada6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6bb087b\" data-id=\"6bb087b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-981993b elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"981993b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>An SBA loan is a type of financing that\u2019s backed by the Small Business Administration. While these loans are financed by private lenders for small business, the SBA guarantees up to 85 percent of the loan.<\/p><p>SBA loans are typically more difficult to qualify for but offer low rates, favorable terms, amongst other benefits. From 7(a) loans and microloans to disaster loans and debt consolidation, SBA loan programs come in many different forms. Credibly can help you navigate your options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6a4116 elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"d6a4116\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/incredibly\/what-is-equipment-financing\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8037c06\" data-id=\"8037c06\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35a3bf9 elementor-widget elementor-widget-image\" data-id=\"35a3bf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"723\" height=\"776\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/SBA-loans-financing.webp\" class=\"attachment-large size-large wp-image-30608\" alt=\"SBA loans &amp; financing\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/SBA-loans-financing.webp 723w, https:\/\/www.credibly.com\/wp-content\/uploads\/SBA-loans-financing-280x300.webp 280w\" sizes=\"(max-width: 723px) 100vw, 723px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-272133d jf-new-sp-truspilot e-flex e-con-boxed e-con e-parent\" data-id=\"272133d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9443fbc e-con-full e-flex e-con e-child\" data-id=\"9443fbc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f68eb3 elementor-widget elementor-widget-heading\" data-id=\"2f68eb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What our customers say about working with Credibly\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-719a6b9 elementor-widget elementor-widget-html\" data-id=\"719a6b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\r\n<!-- TrustBox widget - Slider -->\r\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"55b65a890000ff0005817976\" data-style-height=\"240px\" data-style-width=\"100%\" data-theme=\"light\" data-stars=\"5\" data-review-languages=\"en\">\r\n<a href=\"https:\/\/www.trustpilot.com\/review\/credibly.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\r\n<\/div>\r\n<!-- End TrustBox widget -->\r\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ac80ce elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2ac80ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/apply-online\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c2bbb2d jf-new-sp-trusted-by elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c2bbb2d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1a2c926\" data-id=\"1a2c926\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2016d1f elementor-widget elementor-widget-heading\" data-id=\"2016d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><b>We are trusted by:<\/b><\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b8d2d70\" data-id=\"b8d2d70\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-efc3aae elementor-widget elementor-widget-image-gallery\" data-id=\"efc3aae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-1' class='gallery galleryid-30583 gallery-columns-3 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"efc3aae\" data-elementor-lightbox-title=\"forbes-logo-1-1.png\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjYxNTEsInVybCI6Imh0dHBzOlwvXC93d3cuY3JlZGlibHkuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC9mb3JiZXMtbG9nby0xLTEtMS5wbmciLCJzbGlkZXNob3ciOiJlZmMzYWFlIn0%3D\" href='https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1-1.png'><img loading=\"lazy\" width=\"322\" height=\"144\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1-1.png\" class=\"attachment-full size-full\" alt=\"Forbes Logo\" decoding=\"async\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1-1.png 322w, https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1-1-300x134.png 300w\" sizes=\"(max-width: 322px) 100vw, 322px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"efc3aae\" data-elementor-lightbox-title=\"bankrate-logo-1-1.png\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjYxNTIsInVybCI6Imh0dHBzOlwvXC93d3cuY3JlZGlibHkuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC9iYW5rcmF0ZS1sb2dvLTEtMS0xLnBuZyIsInNsaWRlc2hvdyI6ImVmYzNhYWUifQ%3D%3D\" href='https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1-1.png'><img loading=\"lazy\" width=\"334\" height=\"154\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1-1.png\" class=\"attachment-full size-full\" alt=\"bankrate logo\" decoding=\"async\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1-1.png 334w, https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1-1-300x138.png 300w\" sizes=\"(max-width: 334px) 100vw, 334px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"efc3aae\" data-elementor-lightbox-title=\"nerdwallet-logo-1-1.png\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjYxNTMsInVybCI6Imh0dHBzOlwvXC93d3cuY3JlZGlibHkuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC9uZXJkd2FsbGV0LWxvZ28tMS0xLTEucG5nIiwic2xpZGVzaG93IjoiZWZjM2FhZSJ9\" href='https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1-1.png'><img loading=\"lazy\" width=\"368\" height=\"176\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1-1.png\" class=\"attachment-full size-full\" alt=\"Nerdwallet\" decoding=\"async\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1-1.png 368w, https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1-1-300x143.png 300w\" sizes=\"(max-width: 368px) 100vw, 368px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72426b1 jf-new-sp-steps-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72426b1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0c11e39\" data-id=\"0c11e39\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cbc6dd6 elementor-widget elementor-widget-heading\" data-id=\"cbc6dd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to apply for SBA loan online<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a55492c elementor-widget elementor-widget-text-editor\" data-id=\"a55492c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Explore your options without damaging your credit score.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7acabc2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7acabc2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-832252b\" data-id=\"832252b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e80cde2 elementor-widget elementor-widget-image\" data-id=\"e80cde2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-880.png\" class=\"attachment-large size-large wp-image-28593\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1ee9b0e\" data-id=\"1ee9b0e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5551094 elementor-widget elementor-widget-heading\" data-id=\"5551094\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pre-qualify online<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c184f11 elementor-widget elementor-widget-text-editor\" data-id=\"c184f11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Click \u201cGet Started\u201d to pre-qualify for financing<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-71905fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71905fc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c17cfb\" data-id=\"6c17cfb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a221197 elementor-widget elementor-widget-image\" data-id=\"a221197\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-881.png\" class=\"attachment-large size-large wp-image-28594\" alt=\"2\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6207915\" data-id=\"6207915\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e463f64 elementor-widget elementor-widget-heading\" data-id=\"e463f64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Gather required documents<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f718e2e elementor-widget elementor-widget-text-editor\" data-id=\"f718e2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tWe require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to start.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a18f536 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a18f536\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-de04411\" data-id=\"de04411\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abcfd1a elementor-widget elementor-widget-image\" data-id=\"abcfd1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-882.png\" class=\"attachment-large size-large wp-image-28595\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-68f3ea3\" data-id=\"68f3ea3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87aa9e8 elementor-widget elementor-widget-heading\" data-id=\"87aa9e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Get approved<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37885bb elementor-widget elementor-widget-text-editor\" data-id=\"37885bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYour application will be reviewed and a financing expert will guide you through the process.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1576034 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1576034\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-883b2f5\" data-id=\"883b2f5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b6c592 elementor-widget elementor-widget-image\" data-id=\"0b6c592\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-883.png\" class=\"attachment-large size-large wp-image-28627\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-594c95b\" data-id=\"594c95b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e562496 elementor-widget elementor-widget-heading\" data-id=\"e562496\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Receive funding<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcae888 elementor-widget elementor-widget-text-editor\" data-id=\"bcae888\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tIf approved, the requested loan amount will be transferred to your bank account for you to start using.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ef0aa0 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"7ef0aa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/apply-online\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-116999a elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"116999a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6f5ed9 elementor-widget elementor-widget-image\" data-id=\"a6f5ed9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"742\" height=\"908\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/SBA-loans.webp\" class=\"attachment-large size-large wp-image-30609\" alt=\"SBA loans\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/SBA-loans.webp 742w, https:\/\/www.credibly.com\/wp-content\/uploads\/SBA-loans-245x300.webp 245w\" sizes=\"(max-width: 742px) 100vw, 742px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Get SBA financing with confidence What you can get with an SBA 7(a) loan: Favorable rates and terms. Flexibility in use, from acquiring real estate to equipment purchases. Be matched with a lender in the 7(a) Loan Program according to your needs. Requirements to qualify While requirements will vary by lender, you will generally need [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":36517,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"enable-hero":"true","add-proapprove-logo":"false","hero-h1-heading":"Online SBA loans for small businesses: financing backed by SBA","hero-subheading":"<p>With low APRs and a wide range of use cases, SBA funding programs* can be a great option for small business owners.<\/p>\n","hero-background-image":"","hero-image":"","hero-1st-button-copy":"","hero-1st-button-link":"","hero-1st-button-trigger":"","hero-1st-button-id":"","hero-2nd-button-copy":"","hero-2nd-button-link":"","hero-2nd-button-trigger":"","mobile_image":"","enable-1st-form-section":"true","1st-form-text-heading":"<h2>Get capital fast with our easy working capital loans for businesses<\/h2>\n","1st-form-text-subheading":"","1st-form-text-paragraph":"<p><strong>Rolling out the red carpet, not the red tape<\/strong><\/p>\n<p>Fill out our form to pre-qualify, get approval, and have funds deposited in your account in as little as 24 hours. It really is that simple.<\/p>\n<p><strong>Factor rates that encourage growth<\/strong><\/p>\n<p>Enjoy working capital loan rates as low as 1.11** that make payments easy to handle, and let your business grow, not owe.<\/p>\n<p><strong>Get the answers you need<\/strong><\/p>\n<p>Our customer service team is 100% US-based. Have questions about working capital loan requirements or need help? Don't hesitate to reach out. Our friendly experts are ready to help you find tailored solutions for your needs.<\/p>\n","1st-form-form-heading":"<h3>Speak to a working capital loan expert<\/h3>\n","1st-form-shortcode":"[sc name=\"jf_general_inquiry\"][\/sc]","sp-logos-enabled":"false","logo-slider-heading":"","logo-slider-template":"[elementor-template id=\"8253\"]","sp-test-enabled":"true","testimonials-heading":"<h2>What our customers say about our business loans for working capital<\/h2>\n","testimonials-subheading":"","testimonials-image":"","testimonial-template":"[elementor-template id=\"20732\"]","move-testimonials-under-1st-form":"false","stats-enabled":"false","stats-section-background":"","stats-heading":"","stats-number-of-columns":"3","stats-repeater":"","enable-map-module":"false","map-heading":"","map-copy":"","map-embed":"","enable-cta":"false","cta-heading":"<h2>Wondering if an SBA loan is right for you?<\/h2>\n","cta-content":"<p>Fill out the form and a financing expert will be in touch to walk you through your options.<\/p>\n","cta-button-copy":"Get Started","cta-button-link":"\/apply-online","cta-button-trigger":"","cta-bg-image":"","enable-code-cta":"true","code-cta":"<div class=\"cf-cta-snippet cta116747\" data-website-id=\"28404\" data-cta-id=\"116747\"><\/div>","enable-2nd-form-section":"false","2nd-form-module-text-heading":"","2nd-form-module-text-sub-heading":"","2nd-form-module-text-paragraph":"","2nd-form-module-form-heading":"","2nd-form-module-shortcode":"","serv-enabled":"false","service-heading":"","service-subheading":"","service":"","cs-enabled":"false","case-studies-heading":"","case-studies-subheading":"","enable-post-content":"false","team-enabled":"false","meet-the-team-heading":"","meet-the-team-subheading":"","serv-alt-enabled":"false","service-alt-heading":"<h2>Benefits of a working capital loan for businesses<\/h2>\n","service-alt-subheading":"","service-alt":{"item-0":{"service-alt-bg":"20975","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/dollar_outlined.svg","service-alt-title":"Max loan size<br>Up to $600,000","service-alt-description":"<p><strong>Qualifying criteria\u00a0<\/strong><\/p>\n<p>Working capital loans are available to businesses throughout the U.S. that meet certain requirements:<\/p>\n<ul>\n<li>Located in the United States<\/li>\n<li>6+ months in business<\/li>\n<li>At least $15,000 in monthly revenue*<\/li>\n<\/ul>\n","service-alt-button-link":""},"item-1":{"service-alt-bg":"20976","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/calendar_month.svg","service-alt-title":"Term length<br>3-24 months","service-alt-description":"<p><strong>Required documentation<\/strong><\/p>\n<ul>\n<li>A signed business loan agreement<\/li>\n<li>A business mortgage statement if you own your property. A business lease agreement if you rent your property<\/li>\n<li>Government-issued photo-ID for all owners<\/li>\n<li>Bank statements from business banking account\u2014most recent three months**<\/li>\n<li>For loans over $100,000, we require your most recent business tax return<\/li>\n<\/ul>\n","service-alt-button-link":""},"item-2":{"service-alt-bg":"20977","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/chart_line_down.svg","service-alt-title":"Factor rates<br>as low as 1.11","service-alt-description":"<p><strong>Factor rates and fees<\/strong><\/p>\n<ul>\n<li>We aim to make both funding and payments intuitive, convenient, and easy to handle<\/li>\n<li>We present working capital financing as a factor rate:<br \/>\nFactor Rate = Payback Amount\/Funding Amount<\/li>\n<li>Origination Fee: A one-time 2.5% of the total loan amount set-up fee is deducted from your proceeds<\/li>\n<\/ul>\n","service-alt-button-link":""},"item-3":{"service-alt-bg":"20975","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/sort.svg","service-alt-title":"Automatic repayments<br>daily*** or weekly****","service-alt-description":"<p><strong>Hassle-free repayment<\/strong><\/p>\n<ul>\n<li>Put your loan\u2019s capital to use without worrying about when to send your payment<\/li>\n<li>Eliminate the headache of financing and focus on growing your business with a direct lender like Credibly<\/li>\n<\/ul>\n","service-alt-button-link":""}},"enable-faq-section":"true","faq-section-title":"<h2>Frequently asked questions about SBA backed loans<\/h2>\n","faq-section-subtitle":"","faq":{"item-0":{"question":"<p>How do SBA loans compare to other small business financing options?<\/p>\n","answer":"<p>SBA loans, while offered through small business lenders, are backed by the U.S. Small Business Administration. As a result, SBA loans can often offer some of the lowest rates and longest remittances available for small business owners. At the same time, this also means they can be harder to qualify and take longer to get approval for.<\/p>\n<p>Credibly can help you get access to an SBA loan as well as other financing options like working capital loans, lines of credit, and long-term loans. If an SBA loan isn\u2019t the right fit, we\u2019ll help you explore your options to find the smartest, most sustainable way to fund your business.<\/p>\n"},"item-1":{"question":"<p>What is the easiest SBA loan to qualify for?<\/p>\n","answer":"<p>The SBA Microloan Program is often the most accessible option for small business owners, especially if you\u2019re just starting out or working to improve your credit. These loans go up to $50,000 and are issued through intermediary financiers who often provide application help and business guidance.<\/p>\n<p>If you\u2019ve struggled to qualify for traditional loans, this SBA option could be a practical first step.<\/p>\n"},"item-2":{"question":"<p>Is it hard to get an SBA loan right now?<\/p>\n","answer":"<p>It\u2019s more competitive than it used to be, but getting an SBA loan is still possible.<\/p>\n<p>The minimum Small Business Scoring Service (\u201cSBSS\u201d) credit score required recently increased from 155 to 165, which means financiers are now a bit stricter. This is subject to change so check their website for the latest requirements.<\/p>\n<p>If an SBA loan isn\u2019t the best fit, we will recommend another option to keep your business moving forward without unnecessary delays.<\/p>\n"},"item-3":{"question":"<p>How long does it take to get approved for an SBA loan?<\/p>\n","answer":"<p>SBA loans take time: usually 30 to 90 days.<\/p>\n<p>As an SBA loan is backed by the federal government, this adds extra steps like eligibility checks, documentation, and third-party verification.<\/p>\n"},"item-4":{"question":"<p>What\u2019s the maximum SBA loan amount I can apply for?<\/p>\n","answer":"<p>You can apply for up to $5 million through the standard SBA 7(a). If you\u2019re looking at SBA Express or the 7(a) Small Loan program, those typically cap out around $350,000. SBA Express also offers up to $500,000.<\/p>\n<p>SBA 504 loans can be used for big investments like equipment or property and can be stacked with other loans up to the $5 million lifetime cap. <\/p>\n"},"item-5":{"question":"<p>What if I don\u2019t qualify for an SBA loan?<\/p>\n","answer":"<p>If you don\u2019t qualify for an SBA loan, you\u2019re not out of options.<\/p>\n<p>At Credibly, we help you explore other financing options like working capital loans, lines of credit, or long-term loans with faster approval times and flexible terms.<\/p>\n<p>Our financing experts walk you through every option to help you find the right fit for right now.<\/p>\n"},"item-6":{"question":"<p>What can disqualify me from getting an SBA loan?<\/p>\n","answer":"<p>Getting denied for an SBA loan can happen for a few reasons: poor credit, low cash flow, or lack of collateral.<\/p>\n<p>Even if you\u2019re disqualified from one SBA program, Credibly can help you explore other financing options.<\/p>\n<p>We\u2019ll work with you to understand your situation and match you with a funding path that supports your next step.<\/p>\n"},"item-7":{"question":"<p>What income documents do I need for an SBA 7(a) loan?<\/p>\n","answer":"<p>When applying for an SBA 7(a) loan, you\u2019ll need to show proof that your business can handle the loan.<\/p>\n<p>This includes documents like recent bank statements, personal and business tax returns, retirement account statements, and sometimes life insurance policies with cash value.<\/p>\n"},"item-8":{"question":"<p>Does the SBA check my bank statements?<\/p>\n","answer":"<p>Yes, bank statements are a key part of the SBA loan process.<\/p>\n<p>Financiers want to see how your business handles money, whether it\u2019s managing steady cash flow or covering expenses. You\u2019ll likely be asked to provide both business and personal statements, along with profit and loss reports and tax returns. This helps financiers evaluate your ability to repay.<\/p>\n"},"item-9":{"question":"<p>What\u2019s the debt-to-income ratio for SBA loans?<\/p>\n","answer":"<p>There\u2019s no hard cutoff, but most SBA financiers look for a debt-to-income (DTI) ratio below 50%. This means your monthly debt remittances shouldn\u2019t take up more than half your income. A higher DTI signals greater risk, which can make it harder to get approved.<\/p>\n<p>But DTI is just one part of the picture. At Credibly, we help you understand how your full financial profile stacks up, and whether an SBA loan, or another funding option, is the smarter move for your business.<\/p>\n"},"item-10":{"question":"<p>How much debt is healthy for a small business?<\/p>\n","answer":"<p>Healthy debt depends on your business size, industry, and growth stage. As a general rule, keeping your debt remittances under 30% of gross income and maintaining a debt-to-asset ratio between 25\u201340% can help you stay in the safe zone.<\/p>\n<p>Too much debt can limit your ability to reinvest, while too little might keep you from seizing opportunities.<\/p>\n"},"item-11":{"question":"<p>How much do I need for a down payment on an SBA 7(a) loan?<\/p>\n","answer":"<p>Most SBA 7(a) loans require a minimum down payment of 0% to 10%, depending on your credit score. If you're borrowing less than $150,000, the SBA may guarantee up to 85% of the loan.<\/p>\n<p>The exact amount depends on how you're using the loan and how strong your financials are.<\/p>\n"},"item-12":{"question":"<p>Do SBA loans require collateral?<\/p>\n","answer":"<p>Yes, in most cases SBA loans require collateral. That could include business equipment, vehicles, inventory, or property; something of value to secure the loan.<\/p>\n<p>For larger loans, personal assets may also be required. It\u2019s the SBA\u2019s way of reducing risk for financiers.<\/p>\n<p>But that doesn\u2019t mean you\u2019re out of options if you lack traditional collateral. Credibly helps you evaluate what you have, what\u2019s required, and what other financing options might work if you\u2019re not a fit.<\/p>\n"},"item-13":{"question":"<p>Can I get an SBA 7(a) loan with no money down?<\/p>\n","answer":"<p>In some cases, yes. SBA 7(a) loans used for business expansion may qualify for 100% financing.<\/p>\n<p>However, if you're applying for a startup loan or business acquisition, you\u2019ll likely need to bring 10\u201320% to the table. Every situation is different.<\/p>\n"},"item-14":{"question":"<p>What are the downsides of SBA loans?<\/p>\n","answer":"<p>SBA loans offer strong benefits, but they\u2019re not always fast or simple. The application process can be slow and document-heavy, often taking 30\u201390 days. You\u2019ll need good credit, detailed financials, and possibly collateral or a personal guarantee.<\/p>\n<p>Plus, eligibility rules are strict.<\/p>\n"},"item-15":{"question":"<p>Will applying for an SBA loan affect my personal credit?<\/p>\n","answer":"<p>SBA loans typically don\u2019t impact your personal credit score directly. While financiers may check your credit during the application process, your SBA loan activity usually won\u2019t show up on your personal credit report unless you default.<\/p>\n"},"item-16":{"question":"<p>Can I use an SBA loan for anything I want?<\/p>\n","answer":"<p>Not quite. SBA 7(a) loans must be used for approved business purposes, like working capital, equipment purchases, expansion, or refinancing existing debt.<\/p>\n<p>If you\u2019re buying property, there are specific SBA real estate loans available. Funds can\u2019t be used for personal expenses or speculative ventures.<\/p>\n"},"item-17":{"question":"<p>Can I pay off an SBA loan early?<\/p>\n","answer":"<p>Yes, you can, but timing matters. For SBA loans with terms of 15 years or more, you can prepay up to 20% without penalty. If you pay off more than that within the first three years, a small fee applies: 5% in year one, 3% in year two, and 1% in year three.<\/p>\n"},"item-18":{"question":"<p>What are the 5 main SBA eligibility rules for small businesses?<\/p>\n","answer":"<p>To qualify for SBA programs, your business must meet five key requirements:<\/p>\n<ol>\n<li>Be a for-profit entity<\/li>\n<li>Operate within the U.S. or its territories<\/li>\n<li>Be independently owned and operated<\/li>\n<li>Meet SBA-defined size standards (based on industry)<\/li>\n<li>Show the ability to repay the loans<\/li>\n<\/ol>\n<p>Financiers may add their own criteria on top of this.<\/p>\n"},"item-19":{"question":"<p>What is the SBA 20% rule?<\/p>\n","answer":"<p>The SBA\u2019s 20% rule comes into play during business acquisitions.<\/p>\n<p>If you\u2019re buying 20% or more of a business, you must personally co-guarantee the loan. And if the seller keeps less than 20% ownership after the sale, they\u2019re still required to personally guarantee the loan for two years.<\/p>\n"}},"enable-interlinks-section":"false","interlinks-heading":"","interlinks-without-links":"","steps-enabled":"true","steps-heading":"<h2>Get started today with three easy steps<\/h2>\n","enable_4_columns_on_steps_repeater":"false","steps-repeater":{"item-0":{"step-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-552.svg","step-number":"Step 1","step-title":"Pre-qualify online<br>","step-description":"<p>Start your capital finance loan application process today. Click \u201cGet Started\u201d and enter your business information to pre-qualify for a working capital loan. Approval in as little as 4 hours.<\/p>\n<p>&nbsp;<\/p>\n"},"item-1":{"step-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-553.svg","step-number":"Step 2","step-title":"Approval in as little as 4 hours","step-description":"<p>We assess your business\u2019s health in as soon as one business day and reach out to you with the best available funding options.<\/p>\n"},"item-2":{"step-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-554.svg","step-number":"Step 3","step-title":"Receive same-day funding ","step-description":"<p>If approved, you can get the full loan amount paid directly into your account the same day, plus access to your online account and automatic repayment.<\/p>\n"}},"steps-section-background":"","steps-link":"","enable-featured-image-text-section":"false","featured-title-image-text-section":"","featured-text-image-text-section":"","featured-image-image-text-section":"","enable-image-alt-text-modules":"false","image-text-alt-background":"false","image-text-alt-module-heading":"","image-text-alt-module-subheading":"","image-text-alt-block-repeater":"","enable-industries-section":"false","industries-section-title":"","enable-pros-cons-section":"true","remove-green-red":"false","pros-cons-section-title":"<h2>Pros and cons of online SBA loans<\/h2>\n","pros-cons-section-subtitle":"","pros-title":"Pros","pros-text":"<ul>\n<li>SBA loan rates and terms can be more favorable as they\u2019re federally-backed.<\/li>\n<li>SBA Loan programs offer both small and large funding amounts for optimal coverage.<\/li>\n<li>Businesses typically not approved for traditional bank loans could qualify for SBA loans.<\/li>\n<li>With larger loan amounts and low rates, these small business loans can be ideal for growth initiatives.<\/li>\n<\/ul>\n","cons-title":"Cons","cons-text":"<ul>\n<li>SBA loan applications are more strict and time-consuming than applications for other term loans or working capital products and can take months to get approved.<\/li>\n<li>The borrower may be required to make a down payment.<\/li>\n<li>Collateral may be required and low-credit applicants may not be approved.<\/li>\n<li>Time to receive funds is slower, which means that SBA financing may not be a good fit for certain business needs.<\/li>\n<\/ul>\n","enable-4-features-section":"true","4-column-3-switcher":"false","4-features-section-title":"","4-features-section-subtitle":"","4-features-repeater":{"item-0":{"icon":"40348","title":"Approval ","description":"<p>as fast as 2 hours<\/p>\n"},"item-1":{"icon":"39271","title":"Funding ","description":"<p>as fast as 4 hours<\/p>\n"},"item-2":{"icon":"39268","title":"$3+ ","description":"<p>billion in financing<\/p>\n"},"item-3":{"icon":"39272","title":"55,000+ ","description":"<p>small businesses financed<\/p>\n"}},"enable-comparison-table":"false","comparison-table-heading":"","enable-more-services-section":"true","more-services-section-title":"<h3>Credibly\u2019s other business financing options<\/h3>\n","more-services-section-subtitle":"","more-services-repeater":{"item-0":{"icon":"14548","title":"Merchant cash advance","description":"<p>A great financing solution for those with lower credit scores in immediate need of short-term funding.<\/p>\n","link":"\/merchant-cash-advance\/"},"item-1":{"icon":"15222","title":"Long-term loan","description":"<p>Plan for the future with confidence with this long-term loan.<\/p>\n","link":"\/long-term-business-loans\/"},"item-2":{"icon":"14542","title":"Business lines of credit","description":"<p>The most flexible access to working capital whenever you need it.<\/p>\n","link":"\/business-line-of-credit\/"},"item-3":{"icon":"14558","title":"All financing options","description":"<p>Don\u2019t see what you need here? Look at all of Credibly\u2019s business financing options.<\/p>\n","link":"\/merchant-cash-advance\/"}},"disclaimer-info":"<p><strong>Disclaimers<\/strong><br \/>\n*Some products are made available through Credibly\u2019s network of external funding partners.<\/p>\n","hide-thanks-and-credibly-name":"false","custom-h1-ty-page":"","hide-recent-posts":"false","hero-subtitle":"","serv-enabled-landingi":"false","service-heading-landingi":"","service-subheading-landingi":"","service-landingi":"","spanish-page":"false","enable-image-text-modules":"false","image-text-module-heading":"","image-text-block-repeater":{"item-0":{"rep-title":"","rep-subtitle":"","rep-content":"","rep-image":"","rep-link":""}},"enable-image-text-modules-lp":"false","image-text-module-heading-lp":"","image-text-module-subheading-lp":"","image-text-block-repeater-lp":"","is-spanish-page":"false","spanish-page-url":"","page-has-spanish-version":"true","spanish-version-url":"https:\/\/www.credibly.com\/es\/prestamos-para-negocios-pequenos\/capital-de-trabajo\/","image_display":"","title_image_text":"","content_text_image_field":"","enable-cta-top":"false","cta-heading-top":"<h2>Wondering if an SBA loan is right for you?<\/h2>\n","cta-content-top":"<p>Fill out the form and a financing expert will be in touch to walk you through your options.<\/p>\n","cta-button-copy-top":"Get Started","cta-button-link-top":"\/apply-online","cta-button-trigger-top":"","cta-bg-image-top":"","enable-code-cta-top":"true","code-cta-top":"","image_display3rd":"","title_image_text3rd":"","content_text_image_field3rd":"","enable-2nd-image-text-section":"false","2nd-title-image-text-section":"","2nd-text-image-text-section":"","2nd-image-image-text-section":"","updated-enable-featured-image-text-section":"false","updated-featured-title-image-text-section":"","updated-featured-text-image-text-section":"","updated-featured-image-image-text-section":"","enable-hero-section":"false","hero-section-heading":"","hero-section-subheading":"","hero-section-image":"","hero-section-button":"Get Started","hero-section-button-link":"\/apply-online","hero-section-button-trigger":"","enable-image-text-first-module":"false","image-text-first-heading":"","enable-image-text-second-module":"false","image-text-second-heading":"","enable-image-text-third-module":"false","image-text-third-heading":"","enabled-logo-gallery":"false","logo-gallery-heading":"","enable-recent-posts":"false","enable-location-section":"false","location-heading":"","enable-table-section":"false","table-section-heading":"","enable-services_-box":"false","service-box-heading":"","service-boxes":"","enable-image-box":"false","box-heading":"","box-content":"","enable-text-box":"false","text-box-heading":"","text-boxes":"","enable-blog-section":"false","blog-section-heading":"","enable-reviews-section":"false","reviews-section-heading":"","enable-step-section":"false","step-section-heading":"","step-section-sub-heading":"","disclaimer-information":"","enable-bottom-hero":"true","hero-bottom-heading":"Apply for business financing up to $600,000","hero-bottom-sub-heading":"Approval in as fast as 2 hours","hero-bottom-content":"<p>Find out how much you qualify for.<br \/>\nApplying will not hurt your credit score.<br \/>\nDo you meet the requirements?<\/p>\n","hero-bottom-list-heading":"In general you will need:","hero-bottom-lists":{"item-0":{"list_icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-990.svg","list_title":"$15K+ in monthly revenue"},"item-1":{"list_icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-991.svg","list_title":"3+ months in business"},"item-2":{"list_icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-992.svg","list_title":"500+ FICO score\u00a0"},"item-3":{"list_icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-993.svg","list_title":"Revenue deposited into a business bank  account"}},"footnotes":""},"page-category":[1035],"class_list":["post-30583","page","type-page","status-publish","has-post-thumbnail","hentry","page-category-new-services-template"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Online SBA Loans for Small Businesses &amp; Requirements | Credibly<\/title>\n<meta name=\"description\" content=\"Get online SBA loans for small business from Credibly. Benefit from low rates, flexible terms, and dedicated support to boost your growth.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credibly.com\/sba-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Online SBA Loans for Small Businesses &amp; Requirements | Credibly\" \/>\n<meta property=\"og:description\" content=\"Get online SBA loans for small business from Credibly. 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