Financing
SBA Financing
Financing offered through lenders participating in U.S. Small Business Administration programs.
What Is SBA Financing?
SBA financing refers to business financing made by participating lenders under programs of the U.S. Small Business Administration. Program rules, documentation standards and eligibility requirements are set by the SBA and the participating lender, not by Fund USA.
What it is commonly used for
- Longer-term business growth financing
- Acquiring a business or partner buyouts
- Owner-occupied property and major equipment
- Refinancing certain existing business debt
Who it may fit
Established businesses that can support a more documentation-intensive process in exchange for longer terms.
Factors that may affect eligibility
- SBA program eligibility criteria
- More extensive documentation and longer timelines
- Business history, use of proceeds and ownership details
What information is typically needed
Generally, basic business details such as legal business name, industry, time in business, approximate annual revenue, the amount of financing you are seeking and how you intend to use it. A financing source may request additional documentation during its own review.
What happens after you submit a request
Your financing request is reviewed and, where appropriate, may be matched with or referred to a financing source. That source conducts its own qualification process and communicates available options, terms and next steps. Submitting a request does not guarantee an offer or approval, and all financing is subject to applicable qualification criteria.
Questions to ask before choosing a financing option
- What information is typically needed?
- Generally, basic business details such as legal business name, industry, time in business, approximate annual revenue, the amount of financing you are seeking and how you intend to use it. Financing sources may request additional documentation during their review.
- What factors may affect eligibility?
- Requirements vary by financing source and product, but commonly considered factors include time in business, revenue, the intended use of financing, business and ownership credit profile, and the type of financing requested.
- What happens after I submit a financing request?
- Your request is reviewed and, where appropriate, may be matched with or referred to a financing source for further evaluation. That source conducts its own qualification process and communicates available options, terms and next steps.
- Does submitting a request guarantee financing?
- No. Submitting a request does not guarantee an offer or approval. All financing is subject to review and the qualification criteria of the applicable financing source.
Ready to Explore Your Financing Options?
Tell us what your business needs and get started with a simple financing request.