FUNDING SOLUTION
Government-Backed Loans for Growing Businesses
SBA loans offer some of the most competitive rates and longest repayment terms available to small businesses. We do the heavy lifting on the application so the process doesn't stall your business.
Soft credit pull, won't affect your score. No obligation.
Loan Amounts
$50,000 – $5,000,000
Terms
Up to 10 years (25 for real estate)
Rates
Competitive, government-backed
Timeline
2 – 8 weeks
OVERVIEW
What Is an SBA Loan?
SBA loans are business loans partially guaranteed by the U.S. Small Business Administration. Because the government backs a portion of the loan, lenders can offer lower interest rates, longer repayment terms, and higher loan amounts than most conventional business loans.
SBA loans are some of the most affordable long-term financing a small business can get, and the application is famously demanding. We guide qualified businesses through every step, from documentation to submission, so you can focus on running your business while we handle the paperwork. If you qualify, an SBA loan can be one of the most affordable ways to fund your business.
SBA pricing follows its own structure of rates and fees. Our guide to how business funding costs work walks through rates, fees, and APR so you can compare an SBA loan against faster options. For where rates sit right now, our article on the Fed's rate hold covers what the latest vote means for a funding plan.
How It Works
Initial Consultation
We start with a conversation about your business, your goals, and your funding needs to determine if an SBA loan is the right fit.
Documentation & Submission
Our team helps you compile the required documentation and submits your application to the appropriate SBA lending partner.
Approval & Funding
Once approved, funds are disbursed according to SBA guidelines. The process typically takes 2 to 8 weeks depending on loan type and complexity.
Why Consider an SBA Loan Through Monera Capital
Lowest Available Rates
SBA loans offer some of the most competitive interest rates on the market because they're partially guaranteed by the federal government.
Longest Repayment Terms
Terms up to 10 years for working capital and equipment, and up to 25 years for commercial real estate. Lower monthly payments mean less strain on cash flow.
Higher Loan Amounts
SBA loans can go up to $5 million, making them ideal for major business investments, acquisitions, and large-scale expansion projects.
Guided Process
The SBA process is complex, so we simplify it. Our team handles documentation, submission, and lender communication so the paperwork doesn't land on your desk.
What Businesses Use SBA Loans For
Business Expansion
Open new locations, expand facilities, or enter new markets with long-term, affordable capital.
Commercial Real Estate
Purchase or refinance commercial property with terms up to 25 years.
Major Equipment
Finance large equipment purchases with lower rates than conventional equipment loans.
Business Acquisition
Buy an existing business or franchise with structured SBA financing.
Working Capital
Fund ongoing operations with longer repayment terms and lower monthly obligations.
Debt Refinancing
Consolidate existing high-interest business debt into a single, lower-rate SBA loan.
Eligibility Requirements
SBA loans have stricter qualification criteria than other funding products, but the tradeoff is significantly better terms. We'll help you determine if you're a strong candidate before you invest time in the full application.
- 2+ years in business
- $250,000+ in annual revenue
- Good personal credit (typically 680+)
- U.S.-based, for-profit business
- Detailed financial documentation (tax returns, profit & loss statements, balance sheet)
- No recent bankruptcies or defaults
Don't meet the SBA criteria? We have other funding solutions with more flexible requirements. Talk to our team about alternatives.
Every document you need, in one checklist
A free printable checklist of the documents most applications ask for, with the application form included, so you can gather everything before you apply.
Get the free checklist
Tell us where to send it. No obligation.
Explore Other Funding Options
SBA loans aren't the right fit for every business. If the timeline or requirements don't work for you, consider these faster alternatives.
Business Loans
Faster approval and simpler requirements for businesses that need capital now, not in 6 weeks.
Equipment Financing
Finance specific equipment purchases with the equipment itself as collateral.
Business Line of Credit
Ongoing revolving access to capital. Draw what you need, when you need it.
Industries We Commonly Fund
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
SBA Loan FAQs
How much can I borrow with an SBA loan?
SBA loans range from $50,000 up to $5 million, making them ideal for major investments, acquisitions, and large-scale expansion.
How long does an SBA loan take?
The process typically takes 2 to 8 weeks depending on the loan type and complexity. Our team handles the documentation, submission, and lender communication to simplify it.
What are the repayment terms?
Terms run up to 10 years for working capital and equipment, and up to 25 years for commercial real estate, lower monthly payments mean less strain on cash flow.
What are the requirements?
SBA loans generally require 2 or more years in business, $250,000 or more in annual revenue, good personal credit (typically 680+), a U.S.-based for-profit business, detailed financial documentation, and no recent bankruptcies or defaults.
Why are SBA loan rates lower?
Because they're partially guaranteed by the federal government, SBA loans offer some of the most competitive interest rates available.