SBA & Long-Term Loans
Government-backed loans with competitive rates, longer terms, and higher funding amounts for established businesses.
Apply for SBA FundingOverview
Small Business Administration (SBA) loans are government-backed loans designed to help small businesses access funding with favorable terms. These loans are partially guaranteed by the SBA, which reduces the risk for lenders and allows them to offer more competitive rates and longer repayment terms.
At Nexli Funding, we specialize in helping businesses navigate the SBA loan application process, which can be complex and time-consuming. Our team of experts will guide you through every step, from determining eligibility to preparing documentation and submitting your application.
Amount Range
$50,000 - $5,000,000
Term Length
5 - 25 years
Interest Rates
Starting at 5.5%
Time to Fund
30 - 90 days
Types of SBA Loans
SBA 7(a) Loans
The most common SBA loan program, offering funding for working capital, equipment, real estate, and business acquisitions.
- Loan amounts up to $5 million
- Terms up to 10 years for working capital, 25 years for real estate
- Competitive interest rates tied to the prime rate
SBA 504 Loans
Designed specifically for major fixed asset purchases like real estate or large equipment.
- Loan amounts up to $5.5 million
- Terms up to 20-25 years for real estate, 10 years for equipment
- Lower down payment requirements (typically 10%)
SBA Express Loans
Streamlined application process with faster approval times for smaller loan amounts.
- Loan amounts up to $500,000
- Approval decisions within 36 hours
- Simplified application process with less documentation
Benefits of SBA Loans
Lower Interest Rates
SBA loans typically offer more competitive interest rates compared to conventional business loans or alternative financing options.
Longer Repayment Terms
With terms up to 25 years for real estate and 10 years for working capital, SBA loans provide more time to repay, resulting in lower monthly payments.
Higher Funding Amounts
SBA loans can provide up to $5 million in funding, making them ideal for major business investments, acquisitions, or expansions.
Government Backing
The SBA guarantees a portion of the loan, reducing the risk for lenders and making it easier for businesses to qualify, even with less-than-perfect credit.
Is an SBA Loan Right for Your Business?
SBA loans are ideal for businesses that:
- Have been operating for at least 2 years
- Have good credit (typically 650+ credit score)
- Generate sufficient cash flow to support loan repayments
- Need substantial funding for major business investments
- Can wait 30-90 days for funding approval and disbursement
How to Apply
Initial Consultation
Complete our application to connect with an SBA loan specialist who will assess your eligibility and needs.
Documentation & Submission
Our team will help you gather and prepare all necessary documentation for your SBA loan application.
Approval & Funding
Once approved, we'll guide you through the closing process to ensure you receive your funds as quickly as possible.
Have questions? Contact us to speak with an SBA loan specialist.
Ready to secure long-term funding for your business?
Apply for an SBA loan today and get the capital you need with competitive rates and favorable terms.