The lowest-cost capital — if you're prepared.
SBA loans offer the longest terms and lowest rates of any business funding product. The catch: they require precise documentation and strategic packaging. We handle both.
SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer terms no other product can match — 10 to 25 year repayment, rates near prime, and amounts up to $5M. They're the gold standard of business financing. The trade-off is documentation: SBA underwriting is thorough, slow, and unforgiving of incomplete files. Momentum specializes in preparing SBA applications the way the SBA wants to see them, dramatically increasing approval odds and shortening the timeline.
Highlights
Lowest rates available
Government-backed structure means rates close to prime.
Up to $5M
7(a), 504, and Express programs covering nearly every use case.
Full document support
We prepare, review, and submit every piece of the SBA file.
Benefits
- Longest repayment terms (up to 25 years)
- Lowest interest rates in the market
- Lower down payment requirements
- Use for real estate, equipment, expansion, or refinance
- Builds long-term banking relationships
Ideal Qualifications
- 2+ years in business
- $100K+ annual revenue
- 680+ personal credit
- Strong financials & tax returns
- Clean banking and legal history
Common use cases
Let's get you funded.
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