SBA Loans

Sba Loans Highlights

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SBA Loan Amounts

$10,000 – $5 million

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SBA Repayment Terms

Up to 25 years

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SBA Funding Timeline

30 – 45 days

Types of Sba Loans

Each SBA loan program is tailored to meet different small business needs. Here are the most common types:

7(a) Loan Program — The most flexible SBA loan, ideal for working capital, equipment, debt refinancing, and real estate. Loan amounts up to $5 million.
CDC/504 Loans — Structured for purchasing or refinancing commercial property and major equipment. Offered in partnership with Certified Development Companies.
Microloans — Loans up to $50,000 for startups and very small businesses, often issued through nonprofit lenders.
Disaster Relief Loans — Emergency financing for businesses affected by declared disasters, including economic injury and physical damage.
SBA Express Loans — Fast-track funding up to $350,000, with approvals in as little as 36 hours.

How Can Sba Loans Help My Business?

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Expansion & Growth

Open new locations, expand operations, or increase staffing.

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Inventory & Equipment

Purchase large assets or stock up ahead of seasonal demand.

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Debt Refinancing

Replace high-interest loans with longer, lower-rate terms.

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Working Capital

Manage day-to-day operations during cash flow dips.

Pros & Cons of Sba Loans

Pros

✔ Lower interest rates than most traditional loans
✔ Longer repayment terms (up to 25 years)
✔ Government-backed loan guarantee
✔ Higher approval odds for growing businesses

Cons

✘ Requires personal guarantee
✘ May require collateral or strong business history
✘ Application process can take several weeks
✘ Not ideal for emergency or next-day funding

Final thoughts about Sba Loans

Overall, SBA loans are one of the most powerful funding tools available to small business owners today. While the application process can be more involved and require detailed documentation, the trade-off is access to significantly better terms than most private lenders can offer. If your business qualifies and you have the patience to complete the process, an SBA loan can be a game-changing solution for long-term growth and financial stability. Our team is here to help you navigate every step, from pre-qualification to funding.

Sba Loans - FAQs

An SBA loan is a small business loan that’s partially guaranteed by the U.S. Small Business Administration. It’s issued by private lenders and offers lower rates and longer terms than traditional loans.

SBA loan amounts typically range from $50,000 to $5 million, depending on your business needs, financials, and loan type. AmeriFirst will help match you to the best loan for your situation.

Collateral is not always required, but it can improve your chances of approval. Some SBA loan programs may require collateral for larger loan amounts.

The SBA loan process can take anywhere from 2 to 6 weeks depending on documentation, loan size, and lender review times. AmeriFirst helps you streamline the process.

Yes, startups can apply for certain SBA loan programs if they have a strong business plan, good credit, and some form of industry experience. Talk to an AmeriFirst advisor to explore your options.

Why businesses choose AmeriFirst Financing

Real business owners on speed, service, and outcomes with AmeriFirst - straight from our customers.

“I appreciated how AmeriFirst didn't treat us like just another number. As a childcare business, it's hard to get approved — but they worked with us, explained our options, and delivered. The funding let us renovate two classrooms and increase capacity.”