Key facts
| Product | Via participating banks |
| Funding type | SBA & small-business bank loans |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 2 months |
| Typical size | Up to $5M |
| Term | 12–120 months |
| Requirements | Existing revenue · Personal guarantee |
| Regions | US |
| What they underwrite | Your cash flow & founders |
| Collateral | Business assets + personal guarantee |
| How you repay | Fixed monthly |
| Dilution | None |
The estimated rate for SBA 7(a) loan, as of today, is shown to approved members. Sign in to see it.
SBA 7(a) loan pros and cons
- Publishes its pricing
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Slow: about 2 months to cash
- Requires a personal guarantee
- US only
Profitable or cash-flowing businesses wanting long, cheap, fixed-payment debt.
Slow, paperwork-heavy, personal guarantee required, US only.
SBA 7(a) loan alternatives
Other SBA & small-business bank loans providers, fastest first.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| SBA Express Via participating banks |
Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee | Compare → |
| Live Oak Bank SBA & small-business loans |
Rates shown to approved members | About 6 weeks | Existing revenue · Personal guarantee | Compare → |
Compare SBA 7(a) loan
SBA 7(a) loan FAQ
How much does SBA 7(a) loan cost?
The estimated rate for SBA 7(a) loan, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and SBA 7(a) loan's underwriting.
How fast does SBA 7(a) loan fund?
About 2 months from application to cash, based on typical timelines.
What are SBA 7(a) loan's requirements?
Existing revenue, personal guarantee. Available in US.
How much can you get from SBA 7(a) loan?
Up to $5M. Terms run 12–120 months.
Does SBA 7(a) loan require a personal guarantee?
Yes. SBA 7(a) loan asks for a personal guarantee.
What are the best alternatives to SBA 7(a) loan?
Other SBA & small-business bank loans providers include SBA Express (about 4 weeks); Live Oak Bank (about 6 weeks). Compare all 3 side by side on B2B Agent.
SBA 7(a) loan won 1 B2B Agent Award in 2026
Awards are rule-based: a provider wins only if it beats every other provider of its funding type on the published data, and ties award nobody. See how winners are chosen. Work at SBA 7(a) loan? Copy the code below to show your award on your website.
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Is SBA 7(a) loan your best option?
Price SBA 7(a) loan against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.