SBA Loans
Government-backed capital with the lowest rates and longest terms in small-business lending.
The most affordable capital your business can qualify for
SBA 7(a) and 504 programs deliver longer terms, lower down payments, and competitive rates because the federal government guarantees a portion of the loan. NEXT LEVEL's SBA specialists package your file, navigate the underwriting, and stay with you from intent to close.
- Loan amounts from $50K to $5M
- Competitive interest rates — often below conventional
- 10–25 year repayment terms
- Down payments as low as 10%
- Use for real estate, equipment, working capital, or acquisition
- Dedicated SBA specialist guides you end-to-end
30–60 day close
Streamlined process with experienced SBA specialists.
Government-backed
Lower risk for lenders means better terms for you.
Up to $5M
From small expansion to major acquisition.
What you'll need to qualify
A short list of documents and basics to get you pre-qualified — most files only need the essentials below.
- 2+ years in business (startups OK on some programs)
- Personal FICO 680+ recommended
- Profitable or trending profitable
- Last 2 years business + personal tax returns
- YTD P&L and balance sheet
- Business debt schedule and use-of-funds memo
Our funding process
Pre-qualification
Quick file review to confirm SBA fit and the right program (7(a) vs 504).
Document package
Your specialist builds the SBA package — financials, projections, plan, and forms.
Underwriting & approval
Lender underwrites; SBA reviews and issues authorization (typically 30–60 days).
Close & fund
Sign closing docs, satisfy any conditions, and receive funds — typically 60–90 days end-to-end.
Frequently Asked Questions
Ready to apply for an SBA loan?
Pre-qualify in minutes and we'll match you with the right SBA program.