Financial Programs

what we offer

SBA & Government-Backed Financing Solutions

SBA Funding Depot® provides guidance and access to SBA-backed and government-supported financing programs designed to help businesses acquire property, expand operations, refinance existing debt, and complete construction projects. We work with a nationwide network of lenders to help identify financing options aligned with your business goals.

the language of business

Available Loan Programs

SBA 7(a) Loan Program
SBA 504 Loan Program
USDA Business & Industry (B&I) Loan Program

SBA 7(a) Loan Program

The SBA 7(a) program is the most flexible SBA financing option and can be used for a wide range of business purposes.

Common uses include:

âž¡ Business and real estate acquisitions
âž¡ Working capital and expansion
âž¡ Refinancing existing business debt
âž¡ Equipment and tenant improvements

Typical loan range:

$500,000 to $5,000,000

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SBA 504 Loan Program

The SBA 504 program is designed for long-term, fixed-asset financing and is commonly used for owner-occupied real estate and large equipment purchases.

Ideal For

âž¡ Purchasing or constructing owner-occupied properties
âž¡ Renovations and major improvements
âž¡ Long-term, fixed-rate financing needs

Typical loan range:

Up to $5,000,000 (higher amounts may be available for certain projects)

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USDA Business & Industry (B&I) Loan Program

The USDA B&I program supports business growth in eligible rural and semi-rural areas and offers financing solutions for a variety of industries.

Eligible uses include:

âž¡Business acquisitions
âž¡ Expansion and capital improvements
âž¡ Construction and renovation projects
âž¡ Refinancing under qualifying conditions

Typical loan range:

$500,000 to $25,000,000

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Nationwide Lender Access

SBA Funding Depot maintains a national database of 90+ lenders, each with unique industry preferences and lending criteria. This allows us to identify lenders that may be a strong fit for your project, including out-of-market institutions that can sometimes offer more competitive terms than local banks.

How We Help

We act as a financial consulting intermediary, assisting borrowers by:

  • Reviewing and organizing financial documentation

  • Identifying lenders aligned with your loan request

  • Presenting one or more lender options when available

  • Facilitating communication throughout the process

SBA Funding Depot® is not a lender and does not guarantee loan approval or timing.

No Cost to the Borrower

Our services come at no cost to the borrower. There are no upfront fees, and compensation is paid by participating lenders without increasing borrower loan costs.

Get More Information

To learn more about available financing programs and determine which option may be appropriate for your business:
Call Today: 888-373-2228

About SBA Loans

Frequently Asked Questions

What types of SBA loans do you offer?

We provide access to all major SBA loan programs, including 7(a) loans, CDC/504 loans, and SBA Microloans, tailored to meet various business needs.

How long does the SBA loan approval process take?

Approval times vary depending on the lender and loan type but typically range from 2 to 6 weeks.

What are the eligibility requirements for SBA loans?

Eligibility generally includes operating a for-profit business in the U.S., meeting size standards, having invested equity, and demonstrating the ability to repay the loan. Use this free tool to see if you’re in an Eligible location.

Is collateral required for SBA loans?

Collateral requirements depend on the loan program and amount requested. Some loans may require collateral, while others, like certain microloans, may not.

Can startups qualify for SBA funding?

Yes, startups can qualify if they meet the SBA’s eligibility criteria and demonstrate a viable business plan and the ability to repay the loan.

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