Every Business Needs a Different Kind of Financing
Compare SBA 7(a), Express, Bolt, acquisition, and commercial real estate loans side by side.
Working Capital
Short-to-medium term funding to cover payroll, inventory, or seasonal cash flow gaps. Eligibility notes: faster approval, based more on cash flow history than collateral.
SBA Bolt
Rapid-turnaround SBA financing built for time-sensitive needs like inventory buys or short-term cash flow gaps. Eligibility notes: strong recent cash flow history and quick documentation turnaround improve approval speed.
SBA Bolt
Rapid-turnaround SBA financing built for time-sensitive needs like inventory buys or short-term cash flow gaps. Eligibility notes: strong recent cash flow history and quick documentation turnaround improve approval speed.
Loan Types, Compared Side by Side
SBA Express
Streamlined SBA financing up to $500,000 with a faster turnaround than a standard 7(a) loan. Use cases include working capital, equipment, or short-notice opportunities. Eligibility notes: for-profit U.S. small businesses meeting SBA size standards and demonstrated repayment ability.
SBA 7(a) Loans
General-purpose SBA financing up to $5 million. Use cases include working capital, equipment, refinancing debt, or buying a business. Eligibility notes: for-profit U.S. small businesses meeting SBA size standards, reasonable owner equity investment, and demonstrated repayment ability.
SBA Bolt
Rapid-turnaround SBA financing built for time-sensitive needs like inventory buys or short-term cash flow gaps. Eligibility notes: strong recent cash flow history and quick documentation turnaround improve approval speed.
Commercial Real Estate
Purchase, refinance, or construct owner-occupied commercial property with long repayment terms up to 25 years. Eligibility notes: business must occupy at least 51% of the property.
Business Acquisition
Financing to buy an existing business or franchise, including buyer-seller transition support. Eligibility notes: buyer experience in the industry and a sound valuation of the target business strengthen approval odds.
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Common Questions About Choosing an SBA Loan
How do I know which SBA loan type fits my business?
It depends on your goal. 7(a) loans suit general working capital or debt refinancing, CRE loans suit property purchases, and acquisition loans suit buying an existing business. A match request lets our lender network review your goals and recommend the right fit.Can I qualify for an SBA loan with a new business?
Yes, SBA startup loans are designed for businesses under two years old, though lenders will look closely at your business plan, industry experience, and available owner capital.What credit score do I need to qualify?
Requirements vary by lender, but most SBA lenders in our network look for a credit score in the mid-600s or higher, alongside steady cash flow and a clear use of funds.Does checking my options affect my credit score?
No, requesting a match to see lender options does not impact your credit score.
Found the Right Loan Type? Let's Get You Matched
Tell us about your business and funding goal, and we'll connect you with lenders offering the SBA or business financing product that fits — with no cost and no impact to your credit score to get started.