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SBA Loan Programs

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If you are looking for small business loans, the United States Small Business Administration (SBA) is an excellent starting point. The SBA offers a variety of financial aid programs and support. Here are some of the loan programs available through the SBA:


The 7 (a) Loan Program

The 7(a) loan program is part of the Small Business Act which permits the SBA to provide loans to small businesses in the United States. This program is the most widely used SBA loan program. Loans are granted by participating lenders who are guaranteed a portion of the loan by the SBA. The lender grants the loan according to the 7(a) structure and in return receives a partial guarantee on the loan.

 

Browse through our list of Programs

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Community Express

9 votes, average: 4.56 out of 59 votes, average: 4.56 out of 59 votes, average: 4.56 out of 59 votes, average: 4.56 out of 59 votes, average: 4.56 out of 5 (9 votes, average: 4.56 out of 5, rated)
 

Designed to help mostly low and moderate income areas increase their chances of receiving a loan.

Patriot Express

10 votes, average: 3.70 out of 510 votes, average: 3.70 out of 510 votes, average: 3.70 out of 510 votes, average: 3.70 out of 510 votes, average: 3.70 out of 5 (10 votes, average: 3.70 out of 5, rated)
 

Up to $500,000 available for military personnel; veterans, active duty military, reservist, National Guard and their spouses.

SBA Express

90 votes, average: 4.40 out of 590 votes, average: 4.40 out of 590 votes, average: 4.40 out of 590 votes, average: 4.40 out of 590 votes, average: 4.40 out of 5 (90 votes, average: 4.40 out of 5, rated)
 

The maximum amount for this loan is $350,000loan, it is guaranteed by the SBA. Eligibility is determined by a qualified lender.

Secondary Market

183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5 (183 votes, average: 4.28 out of 5, rated)
 

Was created to draw small business lending to the lending community..

Certified Lenders Program

52 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 5 (52 votes, average: 4.02 out of 5, rated)
 

Designed to provide the lender with fast and efficient service on loan applications received from lenders who have a successful SBA lending track record.

Preferred Lenders Program

81 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 5 (81 votes, average: 4.88 out of 5, rated)
 

This loan program allows the SBA’s to continue in its process of “streamlining” the procedures necessary to provide financial assistance to the small business community.

 

 

Special Purpose Loans
These loans are part of the 7(a) Loan Program but features a number of special purpose loans that address particular business needs.

 

The CAPlines Loan Program

90 votes, average: 4.40 out of 590 votes, average: 4.40 out of 590 votes, average: 4.40 out of 590 votes, average: 4.40 out of 590 votes, average: 4.40 out of 5 (90 votes, average: 4.40 out of 5, rated)
 

Designed to help small businesses attain their short-term and cyclical working-capital needs.

Export Express

183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5 (183 votes, average: 4.28 out of 5, rated)
 

For businesses that have exporting potential but also a history of difficulty acquiring export financing.

Employee Trusts

52 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 5 (52 votes, average: 4.02 out of 5, rated)
 

Provides guaranteed loans for employee trusts as long as certain qualifications can met.

Pollution Control

81 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 5 (81 votes, average: 4.88 out of 5, rated)
 

Helps eligible small businesses control environmental pollution and contamination by providing financial assistance.

Export Working Capital

90 votes, average: 4.40 out of 590 votes, average: 4.40 out of 590 votes, average: 4.40 out of 590 votes, average: 4.40 out of 590 votes, average: 4.40 out of 5 (90 votes, average: 4.40 out of 5, rated)
 

To help small businesses that are able to generate export sales and need additional working capital to support these sales.

International Trade Loans

183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5183 votes, average: 4.28 out of 5 (183 votes, average: 4.28 out of 5, rated)
 

For businesses that are preparing to enter into international trade, or are already a global exporter.

Defense Loan and Technical Assistance (DELTA) Program

52 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 5 (52 votes, average: 4.02 out of 5, rated)
 

Designed to help eligible small business contractors transition from defense to commercial markets.

Disaster Assistance Loans for Homes and Personal Property

81 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 5 (81 votes, average: 4.88 out of 5, rated)
 

As a homeowner, renter and/or personal-property owner, you may apply to the SBA for a loan to help you recover from a disaster.

Microloans

81 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 5 (81 votes, average: 4.88 out of 5, rated)
 

Providing small businesses with loans for working capital or necessary purchases like inventory, supplies and so on.

Surety Bond Guarantee Program

81 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 5 (81 votes, average: 4.88 out of 5, rated)
 

Sureties receive guarantees that SBA will assume a predetermined percentage of loss in the event the contractor should breach the terms of the contract.

The CDC/504 Loan Program

81 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 581 votes, average: 4.88 out of 5 (81 votes, average: 4.88 out of 5, rated)
 

A Certified Development Company (CDC) are nonprofit corporation set up to contribute to the economic development of its community.

 
In addition to financial aid loans and grants, the SBA offers many free online business courses and other support in the form of counseling and assistance, resources and contract opportunities.