Funding Solutions
The Lowest Rates in Business Lending, Now Within Reach
SBA loans offer unbeatable terms for businesses that qualify. We simplify the complex application process and guide you from pre-qualification to funding — so you get the best deal without the bureaucratic headache.
Check Your EligibilityOverview
SBA Loans
Small Business Administration (SBA) loans are partially guaranteed by the U.S. government, which allows lenders to offer longer repayment terms, lower interest rates, and higher loan amounts than conventional business loans. For businesses that qualify, an SBA loan is almost always the most cost-effective financing option available. The two most common programs — SBA 7(a) for general business purposes and SBA 504 for real estate and major equipment — together account for over $30 billion in annual lending to American small businesses.
The catch? SBA loans are notoriously complex and slow. The application requires detailed financial documentation, business plans, projections, and collateral descriptions. Processing typically takes 60 to 90 days, and many first-time applicants are declined for avoidable technical errors rather than genuine credit issues. That's where Granton Hale Capital changes the equation.
We serve as your SBA lending partner and advisor, connecting you with our network of SBA-preferred lenders while handling the heavy lifting of application preparation and packaging. Our team knows exactly what SBA underwriters look for, which means fewer revision cycles, faster approvals, and higher success rates. We also offer bridge funding — fast working capital or a line of credit to cover your needs while the SBA process unfolds — so you're never waiting for capital while paperwork moves through the system.
Ideal For
Amount
$50K–$50M
Term
10–25 Years
- Established businesses (2+ years) seeking the lowest available rates
- Companies purchasing commercial real estate (SBA 504)
- Business acquisitions and partner buyouts
- Major expansion projects requiring long repayment terms
- Franchisees purchasing or opening franchise locations
- Businesses that can wait 60–90 days for funding in exchange for superior terms
Why Choose This Product
Key Benefits
Lowest Interest Rates Available
SBA loan rates are tied to the prime rate with regulated caps. SBA 7(a) rates typically range from Prime + 2.25% to Prime + 4.75%, significantly lower than conventional business loans or alternative financing.
Long Repayment Terms
Up to 10 years for working capital and equipment, and up to 25 years for commercial real estate. Longer terms mean dramatically lower monthly payments compared to short-term alternatives.
High Loan Amounts
SBA 7(a) loans go up to $5M, and SBA 504 loans can reach $50M+ for qualifying projects. These are institutional-grade amounts that can fund transformative business initiatives.
Application Support and Guidance
We package your SBA application for maximum approval probability, connect you with SBA-preferred lenders in our network, and offer bridge funding so you have capital while the SBA process completes.
The Challenge
Problems This Solves
SBA Paperwork Is Overwhelming
Between personal financial statements, business tax returns (3 years), profit and loss projections, debt schedules, and ownership documentation, many business owners abandon SBA applications before completing them. We handle the packaging so you can focus on running your business.
Processing Takes Months
The average SBA 7(a) loan takes 60–90 days from application to funding, and SBA 504 loans can take even longer. If you have a time-sensitive capital need, this timeline is a dealbreaker — unless you have bridge funding in place.
High Denial Rates for First-Time Applicants
Over 50% of SBA loan applications are declined, often due to preventable errors: incomplete documentation, unrealistic projections, or applying to the wrong program. Working with an experienced SBA lending partner dramatically improves your odds.
Not Knowing Which SBA Program Fits
SBA 7(a), 504, Express, CAPLines, Microloans — the SBA offers a dozen different programs, each with its own eligibility criteria, limits, and use cases. Choosing the wrong program wastes months and results in denial.
Use Cases
How Businesses Use This Funding
Commercial Property Purchase (SBA 504)
A law firm purchases a $2.5M commercial building for their office using an SBA 504 loan. They put 10% down ($250K), the SBA covers 40%, and a conventional lender covers 50% — locking in a 25-year term at rates below 6%.
Franchise Acquisition (SBA 7(a))
An operator uses a $1.2M SBA 7(a) loan to purchase a multi-unit fast-food franchise. The SBA's franchise directory pre-approves the brand, streamlining the underwriting process.
Business Acquisition and Goodwill
A business owner uses a $3M SBA 7(a) loan to acquire a profitable competitor, including goodwill and intellectual property — assets that conventional lenders won't finance because they can't be collateralized.
Bridge Funding While SBA Processes
A construction company needs $400K for equipment immediately but has applied for a $2M SBA loan. Granton Hale Capital provides a working capital bridge in 48 hours, which is repaid once the SBA loan closes 75 days later.
Partner Buyout
A co-owner of a profitable accounting firm uses an SBA 7(a) loan for $1.8M to buy out their departing partner's 50% equity stake, structured with 10-year repayment that the firm's cash flow comfortably supports.
FAQ
Frequently Asked Questions
What are the basic eligibility requirements for an SBA loan?
Generally, you need to be a for-profit business operating in the United States, have reasonable owner equity (typically 10–20% injection for purchases), demonstrate ability to repay from cash flow, and have a personal credit score of 680+. You also need to show that you've been unable to obtain credit elsewhere on reasonable terms. Some industries are excluded (lending, gambling, speculative real estate), but most standard businesses qualify.
How long does the SBA loan process actually take?
From completed application to funding: SBA Express loans can close in 30–45 days, standard SBA 7(a) loans take 60–90 days, and SBA 504 loans typically take 90–120 days. The most common delay is incomplete documentation — which is why working with our team to pre-package your application can shave weeks off the timeline.
Can Granton Hale Capital fund me while I wait for SBA approval?
Absolutely — this is one of our most popular offerings. We provide bridge funding through working capital or a line of credit that you can use while your SBA application processes. Once the SBA loan closes, many clients use a portion of the proceeds to repay the bridge. You never have to choose between speed and the best terms.
What's the difference between SBA 7(a) and SBA 504?
SBA 7(a) is the most versatile program — it can be used for working capital, equipment, inventory, business acquisition, and refinancing. Maximum amount is $5M. SBA 504 is specifically designed for purchasing commercial real estate or major fixed assets, with amounts up to $50M+. The 504 program typically offers lower rates and requires a 10% borrower injection, with 40% funded by a Certified Development Company and 50% by a conventional lender.
Do I need a business plan to apply for an SBA loan?
For existing businesses with operating history, a formal business plan is typically not required — but you will need to provide financial projections showing how the loan proceeds will generate sufficient cash flow for repayment. For startups or business acquisitions, a more detailed business plan is usually expected. Our team helps you prepare whatever documentation your specific application requires.
Can I get an SBA loan with bad credit?
SBA loans are designed for creditworthy borrowers, and most lenders require a personal credit score of 680 or above. If your credit is below that threshold, we can help you explore whether compensating factors (strong revenue, significant collateral, industry experience) might help — or we can connect you with one of our alternative financing products that may be a better fit right now while you build toward SBA eligibility.
Ready to Get Funded?
30-second application. No hard credit pull. Decisions in as little as 3 hours.