SBA Loans, Placed With Our Lending Partners. The Longest Terms in Small Business Lending.
SBA 7(a) loans up to $5 million and 504 loans up to $5.5 million, for real estate, equipment, working capital and buying a business. Placed with our lending partners.
SBA loans
An SBA loan is a loan from a lender that the U.S. Small Business Administration partly guarantees. The 7(a) program lends up to $5 million over terms up to 10 years, or 25 for real estate; the 504 program lends up to $5.5 million at a fixed rate for real estate and major equipment.
Batch Capital places SBA loans with its lending partners. The lender is named in your agreement before you sign. Talk to Matt: +1 (201) 862-4048
The Terms, in Plain Words.
- How much
- Up to $5 million through 7(a), or $500,000 through SBA Express, and up to $5.5 million through 504, per the SBA. Since July 4, 2026 a borrower who takes a 7(a) first can combine the two for up to $10 million.
- What it costs
- The rate is negotiated with the lender but may not exceed the SBA maximum, per the SBA. 504 loans carry a fixed rate.
- How long
- 7(a): 10 years or less, or up to 25 years for real estate. 504: 10, 20 or 25 years.
- How fast
- Longer than an advance. The SBA lists its own turnaround on a standard 7(a) at 5 to 10 business days, on top of the lender's underwriting.
- What it funds
- Working capital, equipment, real estate, renovations, and buying a business or a share of one.
- Who qualifies
- A for-profit U.S. business that is small under SBA size rules. Since March 2026, every owner must be a U.S. citizen or U.S. national.
Timing depends on the provider, the time of day you apply, and how quickly documents arrive. Files submitted with complete bank statements before 2 PM Eastern on a business day are the ones that fund fastest. Not every file funds in a day.
Use It for the Right Job.
Buying the building
Buying a business
Time is on your side
When Something Else Fits Better.
The need cannot wait weeks
A shorter, simpler loan
One machine or vehicle
Run the Arithmetic.
Computed with the same math the desk prices an offer with. An estimate, not an offer.
A $350,000 7(a) Loan Over Ten Years.
Repaid monthly at an illustrative 10.5% rate. The lender sets your rate within the SBA's cap.
- Loan amount
- $350,000
- APR (illustrative)
- 10.5%
- Monthly payment
- $4,722.72 for 120 months
- Total interest
- $216,727
- Total repaid
- $566,727
Ten years keeps the payment low enough to carry beside the rest of the business. Real estate stretches to 25 years and lowers it further.
Estimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.
Run Your Own Numbers.
Drag or type any figure. Everything updates together.
7(a) loans run up to $5 million, per the SBA.
The SBA caps a variable 7(a) rate at prime plus a spread that shrinks as the loan grows: 11.50% for this amount, with prime at 7.00% on 2026-10-13.
Monthly payment
$4,920.84
- Term
- 10 years, 120 payments
- Rate used
- 11.50% (SBA cap 11.50%)
- Total interest
- $240,501
- Total repaid
- $590,501
A variable rate moves with prime. SBA guaranty and lender fees are not included; ask the lender for the full fee schedule.
See what you qualify forEstimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.
Have These Ready.
- Every owner a U.S. citizen or U.S. national
- Business and personal tax returns and financial statements
- A use of funds the program covers, with quotes or a purchase agreement
- Time: weeks, not days
Our panel’s floors as of 2026-09-28. Meeting them does not guarantee an offer. Missing one does not always rule you out.
See Your Funding Options in a Minute.
Tap through a few questions. No hard credit pull, and Matt calls you back with real numbers.
How much are you looking for?
Commonly Asked Questions
An SBA loan is a loan from a lender that the U.S. Small Business Administration partly guarantees. The 7(a) program lends up to $5 million over terms up to 10 years, or 25 for real estate; the 504 program lends up to $5.5 million at a fixed rate for real estate and major equipment.
What is the maximum SBA 7(a) loan?
How long does it take to get an SBA loan?
What is the difference between a 7(a) and a 504 loan?
What interest rate does an SBA loan charge?
Can green card holders get an SBA loan?
Can I use an SBA loan to buy a business?
Funded in Four Steps.
Answer a few questions
About a minute, on this page. No hard credit pull.
Matt calls you
He reads what you sent and tells you what fits before anything is signed.
Lenders compete for the file
Your file goes to the funders it fits. Compare offers on Estimated APR and total payback.
Sign and get funded
The funder is named in your agreement before you sign. Funds land in the business account.
Keep Reading
This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.
Find Out Where You Stand in a Minute.
A few quick questions, no hard credit pull, and a person in New Jersey who calls you back.