Government-guaranteed bank loans with long terms and fixed monthly payments.
Profitable or cash-flowing businesses wanting long, cheap, fixed-payment debt.
Slow, paperwork-heavy, personal guarantee required, US only.
At a glance
| Family | Non-dilutive debt & advances |
| What gets underwritten | Your cash flow & founders |
| Collateral | Business assets + personal guarantee |
| How you repay | Fixed monthly |
| Dilution | None |
| Typical pricing | About 9.5–13.5% a year (flat fee or APR) plus fees and warrants for some lenders |
| Typical time to cash | About 4 weeks to about 2 months |
| Good for | Working capital · Growth spend |
SBA & small-business bank loans providers compared
Sorted by the low end of the estimated rate as of today. Your actual cost depends on your revenue, credit profile and term — the calculator works it out for you.
| Provider | Estimated as of today | Time to cash | Typical size | Requirements | Regions |
|---|---|---|---|---|---|
| SBA Express Via participating banks |
Rates shown to approved members published |
About 4 weeks | Up to $500K | Existing revenue · Personal guarantee | US |
| Live Oak Bank SBA & small-business loans |
Rates shown to approved members estimated |
About 6 weeks | Up to $5M | Existing revenue · Personal guarantee | US |
| SBA 7(a) loan Via participating banks |
Rates shown to approved members published |
About 2 months | Up to $5M | Existing revenue · Personal guarantee | US |
Is SBA & small-business bank loans right for you?
See how it stacks up against every other way to raise — priced for your amount, revenue and timeline.
Other funding types
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.