Low Rates, Long Terms, Big Possibilities
When you’re ready to make a major move — buy a building, expand operations, refinance debt, or even acquire another business — an SBA Loan from FlexLendCapital can help you get there.
Backed by the U.S. Small Business Administration, these loans offer longer repayment terms, lower interest rates, and higher loan amounts than most traditional business financing options.
An SBA loan is a small business loan partially guaranteed by the federal government. Because of that guarantee, lenders are able to offer you:
SBA loans are considered the gold standard for business financing because they combine affordability with flexibility.
Some of the most competitive rates available for small businesses
Lower monthly payments with up to 25-year terms
Borrow enough to fund major growth initiatives
Working capital, real estate, equipment, debt consolidation, or acquisitions
Timely repayment improves your business profile
650+ recommended
2+ years preferred (startups may qualify with a strong plan + collateral)
Typically $250,000+
Positive cash flow to show ability to repay
Tax returns (2-3 years), P&L statements, balance sheet, debt schedule, business plan (for startups)
| Feature | SBA 7(a) Loan | SBA 504 Loan |
|---|---|---|
| Best For | Working capital, equipment, debt refi, business acquisition | Real estate purchases, large fixed assets |
| Loan Amount | Up to $5,000,000 | Typically $125,000 – $5,500,000 |
| Repayment Term | Up to 10 years (working capital) / 25 years (real estate) | Up to 25 years for real estate |
| Interest Rates | Prime + 2.25% to 4.75% | Fixed rates, often below market |
| Collateral | May be required depending on loan size | Secured by the property or asset |
| Approval Speed | Faster, often within weeks | Slightly longer due to structure |
Find out quickly if you meet SBA requirements.
Our team helps you prepare your package.
SBA 7(a), SBA 504, or Microloan based on your needs.
Receive a decision and get funded (usually within a few weeks).
Open new locations, add staff, or expand capacity
Purchase, build, or refinance owner-occupied property
Finance major upgrades at lower rates
Replace expensive short-term debt with long-term, low-cost financing
Buy out partners or acquire another business
SBA loans can be paperwork-heavy — but we make the process simple:
We streamline document collection to keep things moving.
Our experienced team helps present your application in the best light.
We connect you to the right SBA loan type for your needs.
We help you gather tax returns, financials, and supporting documents.
An SBA loan is one of the most cost-effective ways to fund big moves for your business — and FlexLendCapital makes it simple to get started.
Apply today to get pre-qualified and see how much you can access for your next phase of growth.
Angela’s manufacturing company was outgrowing its current facility and needed funds to purchase a larger building.
FlexLendCapital helped Angela secure an SBA 504 loan, allowing her to buy a 20,000 sq. ft. facility with a 25-year fixed term and affordable monthly payments. Within a year, Angela doubled production capacity and increased revenue significantly.
“I couldn’t believe how smooth the process was. FlexLendCapital walked me through everything and made getting an SBA loan much less intimidating.”
A: An SBA loan is a small business loan that’s partially guaranteed by the U.S. Small Business Administration. This guarantee allows lenders to offer lower interest rates, longer repayment terms, and higher approval amounts than most traditional loans.
A: We work with multiple SBA programs, including:
Most SBA programs require a minimum credit score of 650 and a solid history of on-time payments. Lenders also look for positive cash flow and healthy debt-to-income ratios.
SBA loans typically range from $50,000 up to $5 million, depending on the program, use of funds, and your financial qualifications.
Repayment terms can be:
Longer terms mean lower monthly payments, making SBA loans one of the most affordable financing options available.
SBA loans take longer than other products — typically 2 to 6 weeks depending on how quickly you can provide documentation. We help streamline the process so you can get to funding faster.
A: An SBA loan is a small business loan that’s partially guaranteed by the U.S. Small Business Administration. This guarantee allows lenders to offer lower interest rates, longer repayment terms, and higher approval amounts than most traditional loans.
For larger SBA loans, collateral is often required. For SBA 7(a) loans under $25,000, collateral may not be required. Even when collateral is required, SBA loans are known for being more flexible than traditional bank loans.
Yes — SBA loans are frequently used to consolidate or refinance high-interest debt, which can free up cash flow and reduce monthly payments.
Our initial pre-qualification uses a soft credit pull that won’t affect your score. A hard pull is only done when you formally move forward with the full SBA application.
Yes — startups can sometimes qualify through SBA Microloans or 7(a) loans if they have a strong business plan and some form of collateral.
A: Yes — startups can sometimes qualify through SBA Microloans or 7(a) loans if they have a strong business plan and some form of collateral.
