SBA
Loans
SBA loans are one of the most powerful business funding resources available to small business owners. Backed by the federal government, these programs offer competitive interest rates, extended repayment terms, and flexible use of funds — making them ideal for long-term business growth funding and stability.
Whether you’re launching, expanding operations, or investing in real estate or equipment, Getty Advance provides expert guidance to help you secure the SBA loan that best supports your vision and long-term goals.
What is an SBA Loan?
An SBA loan is a government-backed business funding program designed to help small business owners grow and thrive. These loans provide low-cost, long-term business capital to companies that meet SBA eligibility requirements.
SBA business funding can be used for working capital for small business, inventory, equipment financing, real estate purchases, expansion, and other long-term growth initiatives.
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Explore the 3 Main Types of SBA Loans
SBA Microloan
The SBA Microloan program is built for startups, young businesses, and underserved entrepreneurs. While it offers smaller loan amounts, it can be a powerful stepping stone for companies that need early-stage capital to grow.
Key Features:
- Loan amounts up to $50,000
- Minimum credit score: 680+
- Ideal for new businesses or limited credit history
- Use for working capital, inventory, supplies, equipment, and more
- Flexible terms, typically up to 6 years
- Real estate purchases are not eligible
Best for: Startups, solopreneurs, and small teams looking for manageable, entry-level financing to get off the ground.
SBA 7(a) Loan
The SBA 7(a) loan is the most popular and flexible SBA program, perfect for established businesses needing working capital for almost any purpose — from working capital to real estate acquisition.
Key Features:
- Loan amounts up to $5,000,000
- Use for working capital, debt refinancing, equipment, business acquisition, and more
- Terms up to 25 years for real estate and 10 years for other uses
- Minimum recommended credit score: 680+
- Low interest rates with fixed or variable options
- No balloon payments
Best for: Growing businesses seeking capital for expansion, large purchases, or strategic refinancing.
SBA 504 Loan
Key Features:
- Loan amounts up to $5,000,000 (or higher for certain manufacturers)
- Must be used for fixed assets: commercial real estate, construction, or large equipment
- Terms up to 25 years
- Minimum credit required: 680 and up
- Typically structured with 50% from a lender, 40% from a CDC (Certified Development Company), and 10% from you
- Fixed interest rates for the CDC portion
Why Choose Getty Advance for SBA Loans?
SBA loans offer powerful long-term business funding, but navigating the process alone can be overwhelming. That’s where Getty Advance comes in. We provide expert guidance and hands-on support to help small business owners secure SBA business funding with clarity and confidence.
Our team helps by:
- Matching you with the right SBA loan program for your goals
- Preparing and organizing required documentation
- Supporting you through underwriting and lender review
- Providing clear, consistent updates throughout the process
- Leveraging our network of trusted SBA lenders
With Getty Advance, you gain a team of business funding experts guiding you from application to approval.
