Apply for an SBA Loan

Let's get started* A senior advisor will reach out within one business day.

Please enter your first name.

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What's the loan for?*

Business acquisition Partner buyout Commercial real estate Working capital Franchise (startup) Refinance Equipment Startup (new business)

Where are you in the process?*

Signed LOI / Purchase Agreement In Negotiation Actively Searching Need prequalification letter →

Let's get your prequalification letterShort separate form, fast turnaround. Your info below comes with you. Start your prequal letter →

Please select your deal stage.

Where are you in the process?*

Signed purchase contract Shortlisted property Actively looking Need prequalification letter →

Let's get your prequalification letterShort separate form, fast turnaround. Your info below comes with you. Start your prequal letter →

Please select your deal stage.

Where are you with the franchise?*

Signed franchise agreement In conversation with franchisor Researching brands Need prequalification letter →

Let's get your prequalification letterShort separate form, fast turnaround. Your info below comes with you. Start your prequal letter →

Please select your franchise stage.

SBA loans aren't built for brand-new independent businessesSBA 7(a) loans require an existing operating business (2+ years) or an established franchise. We don't fund independent non-franchise startups.

For startup capital, take a look at:

SBA Microloans (up to $50K via community lenders)
Lendio (startup-friendly lender marketplace)
Local CDFIs and revenue-based financing

If your business is actually a franchise, switch your answer above to Franchise (startup) and we'll help.

Will your business occupy 51%+ of the property?* SBA 7(a) and 504 loans require owner-occupancy.

Yes — my business will occupy it No — it's investment / rental

SBA doesn't fit hereSBA loans require the borrower's business to occupy 51%+ of the property. For investment-only commercial real estate, you'll want a conventional commercial mortgage or DSCR loan — we don't broker those. Try Janover or a local commercial mortgage broker. If your business will use 51%+ of the space, change your answer above and we can help.

Please select an option.

How long has your business been operating?* SBA lenders typically want 2+ years of operating history.

Less than 2 years 2–5 years 5+ years

Possible challengeSBA lenders generally require 2+ years of operating history. We can still try, but the lender pool narrows.

Please select an option.

What loan amount do you need?*

Please enter a loan amount.

2025 Financials* For the business (the one you're buying, if an acquisition). Last completed year, estimates are fine.

Please enter 2025 revenue.

Please enter 2025 net income.

Any other deal details you would like us to know? (optional)

I agree that GoSBA Loans may call and text me about my inquiry. Msg & data rates may apply. Reply STOP to opt out. SMS Terms · Privacy.

SBA financing does not fit this request, but send your info and we'll point you to the right resource.

Next: your secure application portal, about 5 minutes. By submitting, you agree to be contacted by GoSBA Loans. We never sell your info. Privacy policy.

Thanks — we got it.

A senior advisor will reach out within one business day with next steps.

In the meantime, you can call us at +1-855-381-6448.

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