Small Business Loans
Access capital for expansion, inventory, hiring, marketing, renovations, or everyday cash flow needs.
Best for: Established businesses that want predictable monthly payments and a specific use of funds
SBA Loans
Government-Backed Financing for Qualified Businesses
SBA loan programs may offer longer terms and competitive structures for qualified businesses.
Overview
SBA loan programs are partially guaranteed by the U.S. Small Business Administration, allowing participating lenders to offer longer terms and competitive structures for qualified businesses. SBA programs are commonly used for expansion capital, real estate, equipment, refinance scenarios, and business acquisitions. SBA loans require formal eligibility and underwriting review.
Typical amounts
Up to $5,000,000 under standard SBA 7(a); other programs vary
Speed
Funding timelines for SBA loans are typically several weeks
Terms
Up to 10 years (working capital) or 25 years (real estate)
Best For
Established, well-documented businesses pursuing larger or longer-term financing.
Common Use Cases
- Business expansion
- Commercial real estate purchase
- Equipment acquisition
- Business acquisition or partner buyout
- Refinance of qualifying business debt
- Working capital (program-dependent)
Potential Benefits
- Potentially longer repayment terms
- Competitive structures for qualified borrowers
- Can support larger transactions
Things to Consider
- Stricter eligibility and underwriting requirements
- Documentation requirements are typically heavier
- Funding timelines are longer than short-term products
How the Process Works
- 1Submit a secure application with basic business details
- 2American Financial Source reviews your profile and identifies eligible products
- 3Connect with a funding specialist to discuss the right structure
- 4Provide any final documentation and complete underwriting
- 5Funds are disbursed once the offer is accepted and finalized
Required Documents
- Business application
- Business and personal tax returns (typically multi-year)
- Financial statements
- Business plan or use-of-funds summary (program-dependent)
- Additional documents per SBA program requirements
Frequently Asked Questions
Related Funding Options
Apply
Apply for SBA Loans
Skip the long forms. Open our secure DocuSign application and a funding specialist will follow up within one business day. No cost, no obligation, and inquiring does not affect your credit.
- Secure DocuSign envelope — confidential submission
- Most applications take less than 10 minutes
- Response from a specialist within one business day
Apply with DocuSignCall (516) 373-7622
Prefer to talk first? A specialist can walk through options before anything is submitted.
Ready to Find the Right Funding Option?
Start your application today and let American Financial Source help you explore funding options built around your business goals.