SBA Loans : start or expand your business with a loan guaranteed by the SBA

Accessing Loan Offers will Not Affect Your *Credit Score

Simple Access

$5K – $5M

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Flexible Term Options

1-10  years

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Empower Lend provides SBA loans to handle seasonal business finances with dependable funding resources. The U.S. Small Business Association helps small business owners receive funding by guaranteeing up to 87% of loans issues by lenders.

Find the Lowest Rates
on SBA Loans

FAQ for SBA Loans

What is an SBA loan?

An SBA loan is a small business loan that is guaranteed in part by the U.S. Small Business Administration and typically made by a bank.

What are the advantages of an SBA loan?

Advantages include lower down payments and longer repayment terms than conventional bank loans. This enables small businesses to keep their cash flow for operational expenses and spend less on debt repayment. Generous term lengths, such as a 10-year term on non-real estate loans. Caps on interest rates, including a cap of 2.75 points over prime on loans over $50,000 with terms of at least seven years. Financing for up to 80 to 90 percent of project costs. Lower down payment requirements.

What are the basic requirements to qualify for an SBA loan?

Your business must be physically located and operate in the United States. The business must be for profit and in an eligible industry. The borrower must have invested equity in the business and it must be a small business.

What industries are eligible?

From a nail salon to an online retailer to an advertising firm – there are many small businesses that are eligible for an SBA Loan and most industries are eligible. Industries that are excluded include gambling, lending, mortgage servicing, life insurance, mining, religious teaching, primarily political and lobbying activities, oil wildcatting, real estate development, bail bond, pawn or private clubs, among others.

Same Day Approval

Step 1

Apply Direct
It only takes minutes

Step 2

We Evaluate Your Business Goals and Revenue for Approval

Step 3

Choose Your Loan
and Get Funded

What are you waiting for? Get started today!

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