Proof, Not Promises
We've Funded SBA Loans Across Every Industry
$650K SBA 7(a) to buy an existing dental practice. The dentist had $320K in student loans. Banks said no. SBA lender through our network evaluated practice revenue, not personal student debt. 10% down, 10-year term, $7,800/month.
Result: $650K funded → 10% down → practice generating $1.2M/year
$350K SBA 7(a) for a second taco shop location. Owner had 18 months in business — every bank wanted 2 years. SBA lender approved based on first location’s revenue. 10% down, 10-year term.
Result: $350K funded → 10% down → second location profitable month 4
$750K SBA 504 to buy the building they’d been leasing. 10% down ($75K) instead of 25% at a bank ($187K). Fixed rate, 25-year term. Monthly payment was $400 LESS than their rent.
Result: $750K funded → $112K saved on down payment → building equity
$400K SBA 7(a) for full shop renovation and equipment upgrade. New lifts, paint booth, ADAS calibration. 7-year term at 7.5%. Revenue increased 45% within a year.
Result: $400K funded → 7.5% rate → 45% revenue increase
$500K SBA 7(a) to open a second med spa location. Buildout + equipment + 3 months working capital bundled. 10% down. Second location broke even in 8 weeks.
Result: $500K funded → 10% down → break even 8 weeks
$500K SBA 7(a) for partner buyout. Founding partner retiring after 25 years. Structured over 10 years at 7%. Predictable payments, clean transition, firm reserves intact.
Result: $500K funded → 7% rate → smooth ownership transition
“Banks turned me down because of student loans. SBA lender looked at my practice revenue instead. $650K funded, 10% down, and my practice brings in $1.2M a year. Best financial decision I ever made.”
Dr. Sarah L.
Dental Practice Owner | Phoenix, AZ
Qualification Estimator
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Estimated Approval Range
Based on 100-150% of monthly revenue
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Full Transparency
The Real Cost of an SBA Loan — No Surprises
Based on $500K loan. SBA 504 has lowest monthly payment. SBA 7(a) has the best balance of rate and total cost. Your rate depends on credit profile, revenue, and loan purpose.
SBA has the lowest monthly payment and lowest rate. The tradeoff is time — 30-90 days vs 3-5 days for alternatives. If you can plan ahead, SBA saves you tens of thousands.
Want to run YOUR SBA loan through the numbers?
Monthly payment, total cost, interest savings vs alternatives — calculated in 30 seconds. No signup.
Calculate Your SBA Loan Cost →Honest Comparison
Honest Comparison: SBA vs Bank vs Online Lender
Bobby's take:
If you're planning a move 60+ days out — practice acquisition, second location, building purchase — apply for SBA first. The rate difference over 10 years saves you $50K-$100K compared to any other product. But if you need money this week, SBA isn't the answer. That's what working capital and LOCs are for.
— Bobby Friel, Basecamp Funding - Founder
SBA loan over $1M? Our commercial team structures SBA 7(a), SBA 504, and capital stacks for acquisitions, real estate, and large equipment. Dedicated specialist.
Talk to a Commercial Specialist →Fear Removal
Every Objection Answered
SBA takes too long — I need money now
You’re right — SBA takes 30-90 days. If you need money this week, use working capital or a line of credit. But if you’re planning 60+ days out, starting the SBA process now means you’ll have the cheapest capital available when you need it. Many of our clients use short-term funding to bridge while their SBA loan processes.
The paperwork seems overwhelming
SBA requires more documentation than other products — tax returns, financial statements, business plan for larger amounts. But our specialists walk you through every document. Most clients gather everything in 3-5 days. The payoff is rates 5-15% lower than alternatives. On a $500K loan, that saves you $50K-$150K.
I got denied for an SBA loan before
SBA denial from one lender doesn’t mean you’re disqualified. Different SBA lenders have different risk appetites. A community bank might deny you, but an SBA-preferred lender in our network might approve you. We match your profile to lenders most likely to say yes.
My credit score isn’t great — can I still get SBA?
SBA prefers 650+, but we’ve gotten approvals at 620 with strong revenue and time in business. If your score is below 620, we’ll recommend building credit for 6 months while exploring non-SBA options now. Honesty saves you time — we won’t push an application that’s going to get denied.
What’s the real total cost over 10-25 years?
A $500K SBA 7(a) at 7.5% over 10 years costs $211K in interest — total repayment $711K. An SBA 504 at 6.5% over 25 years costs $512K in interest but only $3,376/month. Longer term = lower monthly payment but more total interest. Match the term to your cash flow and exit strategy.
Can I get SBA for a startup?
Limited options. SBA requires a solid business plan and typically 10-20% down for startups. Franchise startups have the best shot because the franchisor provides performance data. Non-franchise startups usually need 2+ years in business for traditional SBA. We’ll be straight about your odds before you invest time in the application.
Simple Process
How SBA Loans Work
Tell us the loan amount, purpose, and timeline
60-second pre-qualification — no documents yet
Specialist matches you with SBA-preferred lenders
Submit documentation package (we guide you through it)
Approval, closing, and funding — 30-90 days
Right Fit?
Who SBA Loans Are For — and Who They're Not For
Great Fit
Not the Right Product
Not sure which product fits? Try the qualification estimator — it recommends the right product based on your situation.
Full Transparency
What Kills Your SBA Loan Application
You Likely Qualify If
Red Flags That Cause Denials
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Start Your SBA Application Now — The Best Rates Won't Last Forever
SBA rates are tied to the prime rate. Pre-qualifying takes 60 seconds and doesn't affect your credit. Lock in today's rates before they move.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
FAQs
SBA Loan FAQs
SBA Loans for Small Business — $50K to $5M, Lowest Rates, 70+ Lenders
SBA loans are the cheapest money you can borrow as a small business. Government backing means lenders take less risk, which means lower rates for you — 5-8% APR when online lenders charge 12-25%. The tradeoff is time and paperwork. If you're buying a practice, opening a second location, or purchasing real estate, start the SBA process early. Run the numbers on our loan cost calculator — you'll see why the 30-90 day wait is worth tens of thousands in savings.
We connect business owners with SBA-preferred lenders across every industry: healthcare practices funding acquisitions, restaurants expanding to second locations, manufacturers buying facilities, auto shops renovating, and law firms handling partner buyouts. One 60-second pre-qualification, no hard credit pull, and a specialist guides you through every step of the SBA process. $50K to $5M, 5-25 year terms, rates starting at 5% APR.
SBA loans often fund facility purchases, major renovations, and equipment upgrades — all of which need insurance coverage. If you need commercial property, equipment, or liability insurance, our sister company InsuranceService365.com provides business insurance across 29 states.
The Only Risk Is Not Knowing What's Available to You
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