Proof, Not Promises
We've Funded SBA Loans Across Every Industry
$500K SBA 7(a) for major dental equipment upgrade and operatory build-out. Existing practice expanding from 4 to 6 operatories. CBCT scanner, two new chairs, and three months of working capital bundled into one 10-year term. Fixed rate.
Result: $500K funded → 6 operatories → working capital included
$350K SBA 7(a) for kitchen equipment overhaul and working capital reserve. Family-owned restaurant refreshing equipment after 12 years — line stations, walk-in cooler, POS system. 10-year term, fixed rate.
Result: $350K funded → kitchen overhauled → 12-year operator scaling
$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. Revenue increased 45% within a year.
Result: $400K funded → SBA rates → 45% revenue increase
$500K SBA 7(a) for laser platform refresh and working capital. Established med spa upgrading injectable inventory and laser systems across 4 treatment rooms. 7-year term, fixed rate.
Result: $500K funded → 4 rooms equipped → revenue scaling
$500K SBA 7(a) for working capital and equipment to fund a partner-led expansion. Two-partner firm investing in case-management technology and bringing on 4 additional attorneys. 10-year term.
Result: $500K funded → technology + 4 hires → firm scaling
“After 11 years building this practice, we needed two more operatories and a CBCT scanner to keep up with new patient volume. My bank wanted me to refinance the whole practice to bundle it in. Basecamp’s SBA lender funded $500K just for the build-out and equipment — kept my existing financing in place, 10-year fixed term.”
Dr. Marcus T.
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
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
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.
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Monthly payment, total cost, interest savings vs alternatives — calculated in 30 seconds. No signup.
Calculate Your SBA Loan Cost →Side by Side
SBA vs Bank vs Online Lender
Bobby's take:
If you're planning a move 60+ days out — buying your building, financing a major equipment package, or expansion working capital at your existing operation — apply for SBA first. The rate difference over 10 years saves you $50K-$100K compared to any other product. For business acquisitions and second locations, the right structure is revenue-based capital stacking (see /loans/business-acquisition). And if you need money this week, SBA isn't the answer either — that's what working capital and LOCs are for.
Bobby Friel
Founder, Basecamp Funding
SBA loan over $1M? Our commercial team structures SBA 7(a) and SBA 504 for owner-occupied real estate, large equipment, and expansion working capital at existing operations. For business acquisitions, see /loans/business-acquisition. 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 significantly lower rates than alternatives, which can save tens of thousands over the life of the loan.
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. Transparency 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?
The total cost depends on the amount, term, and your rate. Longer term = lower monthly payment but more total interest. Shorter term = higher monthly payment but less total cost. Match the term to your cash flow and exit strategy. Pre-qualify to see your actual numbers.
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
Pre-Qualify Now
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
Soft-pull pre-qual · 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 the lowest rates available to you. The tradeoff is time and paperwork. Whether you're buying a dental practice in Maryland, opening a second restaurant location in South Carolina, or purchasing commercial real estate in Louisiana, 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 across dental, dermatology, orthopedics, veterinary, urgent care, and medical spas; restaurants expanding to second locations — full-service spots, franchise operators, QSR and fast food, fine dining; manufacturers buying facilities (CNC and machining, aerospace and defense, food and beverage, chemical processing); auto shops renovating — diesel and heavy-duty, used-car service operations, EV and hybrid specialists; med spas opening new locations like laser-focused clinics, med spa franchises, and multi-location groups; and law firms handling partner buyouts (personal injury, estate planning, real estate). One 60-second pre-qualification, soft-pull pre-qual, and a specialist guides you through every step of the SBA process. $50K to $5M, 5-25 year terms, the lowest rates available for qualified businesses.
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
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide