SBA Loans — 7(a) & 504 Financing
Government-backed capital with the lowest rates and longest terms in small-business lending.
The most affordable capital your business can qualify for
Wondering how to get an SBA loan? 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. Whether you need an SBA 7(a) loan for working capital or a 504 loan for owner-occupied real estate, 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
Related resources
Guides and playbooks to help you make the most of sba loans.
SBA Loan Application Checklist (2026)
Every document, form, and financial statement lenders ask for on SBA 7(a) and 504 loans — in the exact order you'll need them.
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Read moreReady to apply for an SBA loan?
Pre-qualify in minutes and we'll match you with the right SBA program.