Access government-backed financing with favorable terms and lower rates for qualified businesses
SBA (Small Business Administration) loans are government-backed financing programs designed to help small businesses access capital with more favorable terms than traditional bank loans. While the SBA doesn't lend money directly, it guarantees a portion of the loan, which reduces the lender's risk and allows them to offer lower interest rates, longer repayment terms, and smaller down payment requirements.
These loans are ideal for established businesses looking to make significant investments in growth, expansion, real estate, or equipment. The most popular SBA loan programs include the 7(a) loan for general business purposes, the 504 loan for real estate and equipment, and the Express loan for faster approval. Loan amounts can range from $50,000 to $5 million, with repayment terms extending up to 25 years for real estate purchases.
While SBA loans offer excellent terms, they do require more documentation and have stricter eligibility requirements than alternative financing options. Businesses typically need to have been operating for at least two years, demonstrate strong credit history, and show the ability to repay the loan. The application process can take several weeks to a few months, making SBA loans best suited for planned investments rather than immediate cash needs.
Gather financial statements, tax returns, business plan, and other required documents. Our team helps you compile everything needed for a strong application.
We submit your application to SBA-approved lenders and guide you through the underwriting process, answering questions and providing additional information as needed.
Once approved, receive your funds and begin executing your growth plans with favorable terms and the backing of the U.S. government.
Navigating SBA loans can be complex. We make the process straightforward and guide you every step of the way.
Our SBA specialists have years of experience navigating the application process and know exactly what lenders look for to maximize your approval chances.
We work with a network of SBA-approved lenders to find the best fit for your business, comparing terms and rates to secure optimal financing.
From document preparation to final approval, we handle the heavy lifting and keep you informed throughout the entire process.
SBA loans are ideal for significant business investments that require substantial capital and longer repayment terms
Buy commercial property, office space, or facilities for your business with favorable terms and lower down payments than conventional mortgages.
Open new locations, enter new markets, or scale operations with long-term financing that supports sustainable growth strategies.
Purchase expensive equipment, vehicles, or machinery with extended repayment terms that match the useful life of the assets.
Buy an existing business or franchise with financing that covers purchase price, working capital, and transition costs.
Expanding production capacity
"After 15 years of leasing our facility, we were ready to purchase our own building and expand our production capacity. We needed $2 million, and traditional banks wanted 30% down—capital we needed for equipment and operations."
"Astravest connected us with an SBA 504 loan that required only 10% down and offered a 25-year term at a fixed rate. Their team handled all the paperwork and guided us through every step. Six months later, we own our building and have doubled our production capacity."
— Jennifer Thompson, CEO, Thompson Manufacturing ($2M SBA 504 loan)
Let our SBA specialists evaluate your eligibility and guide you through the application process. Schedule a free consultation today.
