SBA Loan Program


  • Competitive Industry Rates as Low as 6.25%
  • Wide Selection of Loan Options
  • Flexible Terms To Fit Your Business


  • 5 Minute Application, Approval in as Little 4 Hours


  • 625 credit score
  • 2 plus years in business
  • 250k average annual revenue

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From an SBA Express Loan to a Multi-Purpose 7(a) – Every Business Need is Covered

Whether you’re looking to expand, purchase new real estate, make leasehold improvements, buyout a partner or you simply need some additional working capital, SBA loans may be the perfect long–term financing option for you.

Why Consider SBA Guaranteed Loans for your Business Financing?

SBA loans, particularly the 7(a) and Express Loans, are very versatile and can be used for almost any business purpose. With a variety of terms available (up to 25 years) and amounts that can go up to $5,000,000, you’re sure to find an option that can meet your most basic or your most complex needs. And, because of the government guarantee that comes with these loans, interest rates are very favorable.

All-Purpose Financing

Working Capital to finance almost any business need you can dream up.
You can get one loan and work with one lender for all of your needs.

Gold Standard

Low down payments interest rates (thanks to that government guarantee decreasing lender risk).
Long terms and flexible payment schedules allow you to keep your cash reserves intact.

Not Just Money

Some SBA backed loans come with hard to find resources and access to mentorship programs.
Whether you get a loan or not, the SBA has a number of services to help small business growth.

Fueling the Economy

The SBA backs billions of dollars in loans to small businesses each year, keeping businesses running. The SBA doesn’t typically cost tax payers a penny; The SBA funds itself with the guarantee fee it collects.

SBA Loans – What You Need to Know

Every small business owner knows the importance of working capital and keeping a healthy amount of cash in reserve to keep their business operational. But just because it’s important, doesn’t mean it’s always possible. Enter SBA Loans, a low-cost option available to both established and new businesses across the U.S. But, there are a few downsides: SBA loans are not easy to get – there are stringent requirements that have to be met and the application process can be timely, arduous and down-right confusing at times. Kapitus is here to help you navigate the process – from determining eligibility, to building out your application package through final submission and approval!

Do I Qualify for an SBA Loan?

Qualifying for an SBA Loan is based on a huge number of factors, including the type of loan you are trying to secure and varying types of business-specific information based on your industry. This already seems a bit overwhelming, no? So, let’s start with the minimum basic qualifications required!

  • You must have a U.S.-based, for profit business
  • You must have a personal credit score of at least 680
  • You must have established business credit
  • Your business needs to have been operating for at least 2 years
  • You must be able to show profitability

Already knocked out of the running? Don’t panic! There are a number of other affordable business funding options available to you

Things still looking good for you? Reach out and we’ll help you get the application process started.

How to Apply?

Applying for an SBA Loan requires a lot of documentation and paperwork, so gear up for a bit of a long ride and a lot of time going through business records. The end result is worth it, though. To get you started, fill out our short online application, which provides us with the basics about your business. Our Financing Specialists will perform a complimentary review of your application and determine what else is needed. This allows us to streamline the process for you so that you know exactly where to spend your time on gathering the appropriate documents. Your Financing Specialist will then take you through each step of the application and funding process, serving as your guide the entire way.

SBA Loans Offered by Kapitus

At Kapitus we specialize in two SBA Loan programs – the 7(a) program and the Express Loans Program

  • SBA 7(a) – this is the most commonly used SBA program because there are very few limitations around how small businesses can use the loan. Meaning you can use if for real estate purchases, and partner buyouts…or anything in between. Loan amounts in the SBA 7(a) program range from $100,000 to $5,000,000, with terms that can go as far out as 25 years and affordable rates ranging from Prime plus 2.7% to 3.7% (current prime rate is 3.25%).
  • SBA Express Loan – the loans in the SBA Express Loan program are great for businesses who need access to financing quickly, as they offer an expedited application process where loans can be closed and funded in just 14 days. Similar to 7(a) loans, there are very few limitations around how the loan can be used. Loan amounts in the Express Loan Program can go up to $350,000.


A: As part of President Trump’s and the Federal Government’s disaster relief efforts surrounding the COVID-19 global pandemic, billions of dollars have been earmarked for low-interest disaster loans for small businesses and non-profits who have seen economic impacts from the coronavirus. To learn more about the SBAs disaster loans and other local and state disaster relief initiatives, please visit our COVID-19 resource center.

A: The Small Business Administration (SBA) is a government agency that provides support and resources to U.S. small business owners and entrepreneurs. The SBA is not a direct lender, but instead connects business owners to approved lenders to help them run and grow their businesses.

A: The SBA provides whole menu of loan options, the most popular of which are the the SBA 7(a) Loans, the SBA Express Loans and the SBA 504 Loan. Others include:

  • Community Advantage Loans, which are provided to businesses in underserved communities
  • Veterans Advantage Loans, which are reserved for businesses who have served in any branch of the US armed forces
  • SBA CAPLines, which provide business owners with lines of credit
  • Export Loans, which includes both the SBA’s Export Express and Export Working Capital programs, that are available to U.S. based exporters
  • CDC/504 loans (more commonly known as the SBA 504 Loan Program), which is primarily use for real estate purchases, land improvements, facility renovations and long-term fixed asset purchases.
  • Microloan Program, which provides loans to intermediary nonprofit entities, who in turn lend the money out to minority and disadvantaged groups

At Kapitus, we work with businesses to get loans through the SBA 7(a) and Express Loans Programs specifically.

A: There are no collateral requirements for some of the SBA 7(a) and Express Loans. Whether or not it is a requirement is dependent on the actual loan amount. However, having collateral can help a business to actually secure one of these loans. Some of the more common collateral used by businesses for these loans is equipment, commercial real estate, residential real estate, and Inventory.

A: To get the application started, you will need to be able to provide the following documents:

  • Completed Application
  • 2 most recent tax returns (business + personal)
  • Year-to-date financials, including profit and Loss and a balance sheet
  • Current Debt Schedule

It’s important to note that more documents will be requested after you are qualified and the approval amount and use of funds has been confirmed.

A: The minimum personal credit score for an SBA loan is a 680

It is important to note that we conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, the lenders with whom we work will request your full credit report from one or more consumer reporting agencies. This is considered a hard credit pull, which happens after your application is approved, and it is required to move forward with the funding process.

A: The application process for an SBA Loan varies depending on the loan program and the business; but generally you can expect it to take around 14 days for an Express Loan and anywhere from 3 to 6 months for a 7(a) loan.

Resources – Understanding SBA Loans

How It Works: Small Business Administration (SBA) Loans

Every business is unique. What works for one may not work for another. With a range of choices …


Understanding the SBA Microloan

The SBA Microloan program can provide small business owners with small-scale, low-interest loans with very good repayment terms …



How the SBA May Help You Recover From Natural Disasters

Hurricanes, wildfires, earthquakes, volcanoes, mudslides — all can be devastating to the health of your small business. …


Surprise! 7 Businesses You Know That Grew With an SBA Loan

Is your business ready to expand to the next level? If so, when considering options for financing your …


Everything You Need to Know About the Small Business Administration

As a small business owner, you’ve probably heard of the Small Business Administration (SBA) …


Can I Get Approved for the 7(a) Loan Program

Any small business owner who spends time searching for small business loans–both through banks and online–has likely come across the SBA 7(a) loan program.


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