// catalog
Loan programs, decoded
Five programs cover almost every legitimate SBA financing scenario. Pick a tab to inspect the spec sheet, then jump to a lender or eligibility check.
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spec sheet
Standard 7(a) Loan
The flagship — flexible working capital up to $5M.
- Maximum loan
- $5,000,000
- Term length
- 10–25 yrs
- Interest rate
- Loading…
- Fees
- 2%–3.75% guarantee fee (waived under $1M for FY25)
- Collateral
- Required > $50K; personal guarantee for 20%+ owners
- SBA backing
- 85% guaranteed up to $150K · 75% above
- Decision time
- 30–90 days
Best for
- Acquisitions
- Working capital
- Refinancing debt
- Owner-occupied real estate
Eligible uses
- Buying a business
- Equipment
- Inventory
- Real estate
- Refinance
Loan ceiling$5,000,000
$0$5.5M (max across SBA)
All programs, one matrix
| Program | Max | Term | Rate | SBA backing | Decision |
|---|---|---|---|---|---|
Standard 7(a) Loan 7(a) | $5,000,000 | 10–25 yrs | — | 85% guaranteed up to $150K · 75% above | 30–90 days |
CDC / 504 Loan 504 | $5,500,000 | 10, 20, or 25 yrs | — | 50% bank · 40% CDC · 10% borrower down | 60–120 days |
Microloan Micro | $50,000 | Up to 7 yrs | — | Funded by nonprofit intermediary | 2–4 weeks |
SBA Express Express | $500,000 | Up to 10 yrs (25 for RE) | — | 50% guaranteed | 36 hours (SBA review) |
Disaster (EIDL) EIDL | $2,000,000 | Up to 30 yrs | — | Direct loan from SBA | 2–3 weeks |