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Funding Program

SBA Financing

Government-backed loans with the best rates on the market — up to $15M.

Overview

How It Works

SBA financing offers government-backed loans with the lowest rates available to small businesses. Lendadex matches you across five distinct SBA products — from collateralized 7(a) and 504 loans to streamlined and unsecured options — connecting you with the right structure for your business size, use of funds, and timeline. With up to $15M available and terms up to 15 years, SBA financing is the gold standard for established businesses seeking affordable, long-term capital.

Key Benefits

Why Choose SBA Financing

Best Rates on the Market

Government guarantee allows lenders to offer rates starting at Prime + 2%, significantly below conventional alternatives.

Up to $15M Available

SBA 504 supports up to $15M for major real estate and equipment acquisitions, while 7(a) covers up to $5M for general business needs.

Multiple Product Options

Five distinct SBA products — collateralized 7(a), 504, Streamlined Unsecured, Unsecured 7(a) Small, and SBA Small Loan — covering a broad range of business profiles.

Flexible Use of Funds

Working capital, real estate, equipment, expansion, debt refinancing, and more — SBA financing covers nearly every legitimate business purpose.

Rates & Terms

The Details

SBA 7(a) — CollateralizedUp to $5,000,000 · 10 yrs · Prime + 2–3%
SBA 504 — CollateralizedUp to $15,000,000 · 10–15 yrs · Prime + 2–5%
Streamlined UnsecuredUp to $150,000 · 10 yrs · Prime + 2–5%
Unsecured SBA 7(a) SmallUp to $500,000 · 10 yrs · Prime + 2–5%
SBA Small LoanUp to $50,000 · 10 yrs · Prime + 2–5%
Funding Time10–60 days depending on loan type
Closing CostsTypically 2–5% of loan amount

Rates and terms are representative ranges. Your actual offer will be determined by the matched lender based on full underwriting.

Qualifications

What You Need to Qualify

2+ years in business preferred (startups need strong financials or collateral)
Personal credit score of 650–680+
Annual revenue of $250,000+
Must show profitability or strong projections
P&L, Balance Sheet, Tax Returns, Business Plan required
Collateral required for 7(a) and 504 programs
Process

The SBA Financing Process

01

Apply

Submit your business and financial information. Our AI performs a soft credit check and identifies which SBA product best fits your profile.

02

AI Lender Match

Our system connects you with SBA Preferred Lenders in our network whose criteria align with your profile, sequenced by approval probability.

03

Underwriting

The matched lender conducts formal underwriting including financial document review, business valuation, and collateral assessment.

04

Funding

Once approved and closed, funds are disbursed. The SBA guarantee provides lenders confidence throughout the process.

FAQ

Frequently Asked Questions

Ideal For

Established businesses seeking large amounts of affordable, long-term capital for expansion, real estate, equipment, or working capital — especially those who qualify for government-backed rates.

Ready to Get SBA Financing?

Apply in 5 minutes. Our AI matches you with the best lenders for sba financing. Soft credit check only — zero impact to your score.

Begin Your Application