SBA Loans to Grow Your Small Business
Affordable, Long-Term Financing Backed by the SBA
The Small Business Investment Company (SBIC) Program was established in 1958 under the Small Business Investment Act to expand access to capital for small businesses across the United States. Licensed and regulated by the U.S. Small Business Administration (SBA), SBICs are privately managed investment firms that provide funding to qualifying small and independent businesses.
At Corporate Trust Fund, we help small businesses access SBA-backed loan programs designed to support growth, stability, and long-term success.
How SBA Loans Work
SBA loans are funded through private lenders and investment institutions, with a portion of the loan guaranteed by the SBA. This government backing reduces lender risk and allows borrowers to benefit from:
Lower interest rates
Longer repayment terms
More flexible qualification standards
SBICs and SBA-approved lenders use a combination of their own capital, investor funds, and SBA guarantees to provide financing to eligible businesses.
The SBA program exists to ensure small businesses have access to capital even when traditional financing may be limited.
What Can You Use SBA Loan Funds For?
An SBA loan can help you:
Pay off high-interest debt
Remodel or expand facilities
Purchase inventory or equipment
Hire additional staff
Launch marketing campaigns
Invest in new products or services
SBA loans are designed to help businesses move forward—without short repayment pressure.
SBA Loans Made Simple
Corporate Trust Fund Makes SBA Financing Fast & Easy
Traditional SBA loans can take 60–120 days to close. Through our SBA marketplace and preferred lending partners, qualified borrowers may receive funding significantly faster, sometimes in as little as one week.
Benefits of SBA Loans:
Low interest rates
Repayment terms of 10–25 years
Improved long-term cash flow
Flexible use of funds
Types of SBA Loans We Offer
SBA 7(a) Loans
Most common SBA loan program
Used for working capital, expansion, refinancing, and acquisitions
Variable or fixed interest options
SBA Express Loans
Faster processing
Lower loan amounts
Higher interest rates than standard 7(a) loans
SBA CDC/504 Loans
Specifically for real estate and heavy equipment
Fixed, long-term interest rates
Lower down payments
SBA Loan Interest Rates (Overview)
SBA loan interest rates are capped by the SBA and are based on:
A base rate (Prime Rate, LIBOR, or SBA Peg Rate)
Loan size
Loan term length
Typical SBA 7(a) Interest Rate Range:
Approximately 7.25% – 9.75%, depending on loan size and term.
CDC/504 Loan Rates:
Generally lower than 7(a) loans
Fixed for the life of the loan
Often in the mid-single digits
Rates are subject to change based on market conditions and SBA guidelines.
Fixed vs. Variable SBA Interest Rates
Fixed Rate Loans:
Interest rate remains the same for the life of the loan.
Variable Rate Loans:
Interest rate adjusts periodically based on market conditions but remains capped by SBA limits.
Smaller SBA loans are often issued with variable rates, while larger or long-term loans may offer fixed options.
Understanding SBA Fees (APR/APY)
In addition to interest, SBA loans may include:
Origination fees
SBA guarantee fees
These fees are typically rolled into the loan and affect the APR/APY, which represents the true cost of borrowing. On average, fees may increase the effective rate by approximately 1% over the stated interest rate on long-term loans.
Do You Qualify for an SBA Loan?
While exceptions exist, most SBA borrowers meet the following criteria:
Corporation or LLC
In business at least 2 years
Credit score 580+ (680+ preferred)
Seeking $30,000 or more
At least $100,000 in annual revenue
Profitable business
No recent bankruptcies or open judgments
Collateral may be required
Well-qualified borrowers may pre-qualify for up to $350,000 online in minutes.
Why Choose Corporate Trust Fund?
Corporate Trust Fund brings deep SBA financing expertise and direct access to preferred SBA lenders, allowing us to streamline the approval and funding process faster than traditional banks. We provide clear, transparent guidance from application through closing, while structuring financing solutions that are tailored specifically to your business goals and long-term growth needs.
Need more details? Contact us!
We are here to assist. Contact us by phone, email or via our Social Media channels.
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