SBA Loans

SBA loans: the lowest rates and longest terms, for businesses that qualify

Government-backed loans with the best pricing in business lending. They ask more of you, strong financials, time in business and a longer approval, and your specialist will tell you honestly whether your file is one that gets through.

Check what I qualify for Talk to a specialist

Backing: Government
Rates: Among the lowest
Terms: Longest available
Collateral: May be required

How it works in practice

Part of the loan is guaranteed by the U.S. Small Business Administration, which is what lets lenders price it low.
Long repayment terms keep the monthly payment small.
Expect a fuller document package and a longer approval than any other product we place.
Depending on loan size, the lender may require collateral.
Use guidelines can apply, and we flag them before you apply.

What you will typically need

Business and personal tax returns
Financial statements (profit and loss, balance sheet)
A plan for what the funds are for
A current credit report

Rates, terms, amounts and eligibility are set by the lender, not by Nivira Capital. Your specialist confirms the specifics for your file before anything is signed.

Questions

SBA loans questions, straight answers

Longer than anything else we place, because the program requires more documentation and review. If timing is tight, ask your specialist about a faster product to bridge the gap.

Sometimes. It depends on the size of the loan and the lender.

Strong financials, time in business and personal credit of 680 or higher. Your specialist reviews your file before you spend time on the full package.

The government guarantees part of the loan, which reduces the lender's risk.

Other Options

Compare before you commit

Unsecured Term Loans$50K to $500K on personal credit. Startups qualify. Business Line of CreditDraw as you need it. No collateral. Merchant Cash AdvanceApproved on revenue, not credit. Home Equity Line of CreditLow rates, secured by home equity.