SBA Loans

If you're searching for a trusted path to affordable business financing, an SBA loan could be the game-changer your business needs. Designed specifically to support small businesses like yours, SBA loans offer lower down payments, longer repayment terms, and more flexible eligibility compared to traditional loans—making it easier for you to secure the funding you need.

Whether you're looking to boost your working capital, purchase equipment, invest in real estate, or refinance existing debt, an SBA loan opens the door to real, sustainable growth. With competitive interest rates, you can reduce the cost of borrowing and strengthen your financial foundation.

But the benefits don’t stop there. Through the SBA network, you also gain access to expert resources and guidance to help you navigate your journey with confidence.

At SurePath Capital Funding, we help you tap into the power of SBA financing and walk a clearer path toward opportunity, stability, and success.

Types of SBA Loans

1. SBA 7(a) Loan Program

• The most popular SBA loan program, designed as a flexible, all-purpose financing solution.
• Can be used for: working capital, real estate, equipment, refinancing debt, buying a business, or leasehold improvements.
• Includes the new MARC (Manufacturers Access to Revolving Credit) subset, designed exclusively for U.S. manufacturers.
• Offered through banks, credit unions, and specialty SBA lenders.

2. SBA 504 Loan Program

• Best for long-term financing of fixed assets such as commercial real estate or heavy equipment.
• Structured as two loans:
  • 50% from a bank
  • 40% from a Certified Development Company (CDC)
  • 10% equity contribution from the borrower
• Cannot be used for working capital or inventory.
• Ideal for businesses planning expansion through major property or equipment investments.

3. SBA Express Loan Program

• A fast-track version of the SBA 7(a) loan.
• Maximum loan amount: $500,000.
• SBA provides a response within 36 hours, making it one of the quickest approval processes in the SBA system.
• Streamlined underwriting, though interest rates and terms may be less favorable compared to standard 7(a).
• Perfect for businesses with urgent or smaller-scale financing needs.

Comparison at a Glance

Funding Scenario: SBA Loan in Action

Business Name: Urban Grind Café
Owner: Rachel Kim
Location: Birmingham, Alabama

Rachel is the owner of Urban Grind Café, a trendy neighborhood coffee shop with a loyal following. After five years of steady success, she dreamed of expanding into a second location and adding a community workspace—something her customers had been asking for.

The total cost for the expansion—including leasehold improvements, new equipment, furniture, and initial staffing—was estimated at $350,000.

Rachel had some savings and strong business performance, but needed help covering the gap in funding. She turned to SurePath Capital Funding to explore her options and was quickly guided toward an SBA 7(a) loan.

Rachel was approved for a $300,000 SBA loan with a 10-year term at a 6.25% interest rate. Her monthly payment came to around $3,370, which fit comfortably into her projected budget, thanks to the extended repayment period and low interest rate.

Why It Worked for Rachel:

• Low down payment – Only needed to contribute 10% upfront ($30,000), preserving her working capital.
• Longer repayment term – Made it easier to manage monthly obligations and plan for growth.
• Affordable interest rate – Saved thousands in borrowing costs over time.
• Access to SBA support – She received additional mentoring from a local SBA resource partner to help her with hiring and scaling.

Within six months, her second café was open and operating at a profit, and her coworking space became a go-to community hub.

Thanks to the SBA loan through SurePath Capital Funding, Rachel found a reliable path to expansion, empowerment, and long-term success.

Disclaimer: The scenario described above is a fictional example created for educational purposes only. Names, businesses, and details are not real and should not be considered financial advice or a guarantee of results.