The SBA Loan Best Rate Guarantee
Already have an SBA loan offer? Send us the term sheet. We take your deal to our network of 50+ SBA lenders and match or beat the rate and lender fees, or we tell you the offer you have is the best one. No cost, no obligation.
How The Guarantee Works
Three steps, and you decide at the end.
Send us your term sheet
Upload or forward the written offer you received from another lender or broker, along with your deal basics. It takes a few minutes.
We take it to our lenders
We know which of our 50+ SBA lenders price your kind of deal best. They see that another lender has already said yes and sharpen their terms to win it.
You pick the better deal
If we beat the rate or the fees, you take ours. If we cannot, we tell you plainly to take the offer you have. Either way you know you have the best terms available.
Why We Can Make This Promise
Lenders price SBA loans differently. The same acquisition can get noticeably different terms from two banks on the same day, depending on how each one views the industry, the deal size and the structure.
- More than 50 SBA lenders compete for the deals we bring them
- We closed $320 million of SBA loans in 2025, so lenders know our files close
- We see what each lender is offering on deals like yours every week
- Lenders pay us after closing, so our interest is a loan that actually closes on the best terms
- A competing offer in hand is the strongest position a borrower can negotiate from
What The Guarantee Covers
- A written SBA 7(a) term sheet or commitment from a lender or another broker
- The interest rate, including how and when it adjusts
- Lender fees such as packaging and origination fees
- The same loan amount, structure and use of funds as your offer
- Business acquisitions, partner buyouts, working capital, real estate and refinancing
The SBA guaranty fee is set by SBA and is the same at every lender, so it is not part of the comparison. Verbal quotes and rate ranges are not offers; we need the written terms.
What Borrowers Say
Ishan is phenomenal. He guided me through the SBA process, connected me to multiple lenders, and ultimately drove to a deal at much better terms than I expected.
Many a loan broker couldn’t get our deal over the line but Ishan said he could and he delivered 110%.
Just when the deal looked like it could not get completed, Ishan found a lender.
Have An Offer In Hand?
Send us the term sheet today. We respond within one business day with our read on it, and we go to work with our lenders if we think we can do better.
Frequently Asked Questions
What is the GoSBA Best Rate Guarantee?
If you have a written SBA 7(a) term sheet or commitment from another lender or broker, send it to us. We take your deal to the SBA lenders in our network and match or beat the rate and the lender fees, or we tell you plainly that the offer you have is the best one and you should take it. Either way it costs you nothing.
What do I need to send you?
The written term sheet or commitment letter showing the lender, the loan amount, the rate and how it adjusts, the term, the guaranty fee treatment and any lender fees. We also need the same deal information the other lender had, so we can compare like for like.
Does the guarantee apply to any SBA loan?
It applies to SBA 7(a) loans, including business acquisitions, partner buyouts, working capital, real estate and refinancing, when we are comparing the same loan amount, structure and use of funds.
How do you beat an offer if you are not the lender?
We are a broker. More than 50 SBA lenders compete for the deals we bring them, and they price differently by industry, deal size and structure. When one lender has already said yes, others often sharpen their terms to win the loan.
What if you cannot beat the offer?
We say so. You keep your offer, you have lost nothing, and you know it was the best available. Many buyers use the guarantee for exactly that reason.
Does this cost anything or affect my credit?
No. We are paid by the lender after your loan closes, never by you, and reviewing a term sheet does not involve a credit pull.
How fast is it?
We respond within one business day with our read on the offer. Getting competing terms from lenders usually takes a few business days, depending on how complete your file is.
Get Started On Your SBA Loan
Tell us about your deal. An SBA loan broker reviews it and gets back to you within one business day.
Thanks, we got it.
A senior advisor will reach out within one business day with next steps.