SBA Loans

Government-backed loans with competitive rates and longer terms for established businesses looking to expand.

$30K - $5M

Funding Range

30-90 Days

Fast Funding

Premium Financing

SBA Loans Overview

Our SBA Loan programs provide $30,000 to $5,000,000 in government-backed financing with favorable terms for qualified businesses. SBA 7(a) and 504 loans offer lower rates and longer repayment periods than traditional financing. Perfect for purchasing real estate, refinancing debt, buying equipment, or expanding operations. With our expertise in SBA lending, we guide you through the process to secure the best terms—backed by our commitment to transparency and exceptional service.

💰 AMOUNT

$30K - $5M

⏱️ SPEED

30-90 Days

📊 RATE

6%-12%

📝 TERMS

10-25 years

What Do You Need to Qualify?

Qualifying is straightforward with our flexible criteria designed for your business.

Minimum Credit Score
680+ required for most SBA programs.
2+ years in business (established operations required).
$100,000+ annual revenue.
1 or fewer (strong financial track record required).
Strong credit history, collateral availability, industry type, business plan, and debt service coverage ratio.
Business and personal tax returns (3 years), financial statements, business plan, personal financial statement, collateral documentation, and legal documents.

Why Use Black Tie Funding for SBA Loans

We stand out by offering business-focused solutions with minimal paperwork, competitive rates, and transparent terms.

Lowest Rates Available
Government-backed loans offer some of the most competitive rates in the industry.
Terms up to 25 years allow for lower monthly payments and better cash flow management.

 

Access up to $5 million for major business investments and expansions.
Use for real estate, equipment, working capital, refinancing, or business acquisition.
Use for real estate, equipment, working capital, refinancing, or business acquisition.
SBA loans help establish strong credit history for future financing needs.

Explore Similar Funding Solutions

Commercial Real Estate

$100K–$5M, 30-60 days

Equipment Financing

$10K–$1M, 2-7 days

Business Line of Credit

$5K–$500K, 1-3 days

What Our Clients Say

Frequently Asked Questions

What types of SBA loans do you offer?

We specialize in SBA 7(a) loans (general purpose up to $5M) and SBA 504 loans (for real estate and equipment up to $5.5M combined with other lenders).

Typical SBA loan process takes 30-90 days from application to funding, depending on loan complexity and documentation completeness.

Most SBA loans require collateral, though the SBA typically doesn’t require collateral to fully secure the loan. Requirements vary by loan size and type.

SBA loans can be used for real estate purchase, equipment, working capital, refinancing, business acquisition, renovation, and more. Some restrictions apply

SBA 7(a) loans are more flexible and can be used for various purposes. SBA 504 loans are specifically for real estate and equipment purchases with longer terms and lower rates.

Ready to Grow Your Business?

Apply now for fast, flexible funding—backed by our nationwide network and business expertise.

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SBA Loans

Government-backed loans with favorable terms
Amount Range
$30,000–$5M
Funding Speed
30-90 days
Term
5-25 years
Rate
6-12% APR
Min Credit Score
680+
Time in Business
2+ years
Min Monthly Revenue
$25K/month
Max Negative Days
0 per month
Full Transparency
What’s Involved: Simple application process with minimal documentation required.
True Costs: All fees are disclosed upfront with no hidden charges or surprises.
Payment Schedule: Clear payment terms with flexible options to match your cash flow.