How Funding Works
To qualify for SBA-backed funding, merchants must meet the eligibility criteria set by both the U.S. Small Business Administration (SBA) and the lending institution.
  • Application Process: SBA application review typically takes 5-10 business days.
  • Funding Availability: Loans of up to $5,000,000 can be accessed based on your needs and qualifications.
  • Loan Terms: Repayment terms vary depending on the loan's purpose—up to 25 years for real estate, up to 10 years for equipment, and more.

Interest Rates & Qualifications
The rate you qualify for will depend on several factors, including:
  • Market Prime Rate (MPR): The foundation for determining your rate.
  • Loan Amount & Term: Larger loans and longer terms may have different rate structures.
  • Business Longevity: How long your business has been operational.
  • Credit Profile: Your credit score and financial stability, including existing debts and profitability.

Before Applying, Consider These Questions:
  • What will you use the SBA 7(a) loan funds for?
  • How urgent is your need for capital?
  • Do you currently carry outstanding debt in your business?

Required Documentation
To apply, you'll need to provide:
  • A completed application with business and merchant details.
  • Key business financial documents, including balance sheets, profit and loss statements, and financial projections.
  • Past loan application records.
  • Income tax returns for the business.
  • Additional documents as required by the lender.
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Additional Insights
The SBA 7(a) loan is an attractive option for small business owners due to its:
  • Longer repayment terms and low interest rates, making it easier to manage your cash flow.
  • No prepayment penalties, allowing flexibility if you wish to pay off the loan early.
  • Versatility in usage, from working capital to expansion, or even purchasing equipment and supplies.
Other SBA loan programs may also be available, depending on your specific business needs and goals.

Explore SBA Programs

Ready to move forward?

Complete our Business Registration Form and select SBA Loan. You’ll automatically receive a follow-up form to upload the required documentation.​
Disclaimer: All deals are subject to underwriting approval. The programs advertised on this landing page are not a commitment or guarantee from United Capital America. Please note that programs, fees, and other terms and conditions may change without notice.
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