Identify your purpose
Consider your business need and explore which SBA program may align with your planned use of funds.
FUNDING PROGRAM GUIDE
SBA Loans
Explore financing offered by participating lenders with support from U.S. Small Business Administration programs.
Lendable Capital is not a lender. Third-party funding providers set their own terms and make their own decisions.
01 / How the program works
How the program works
A look at the process, from planning to repayment.
Prepare your records
Gather business and personal financial information and review the eligibility requirements of the program and lender.
Apply through a lender
A participating lender evaluates the application under its own criteria and applicable SBA program rules.
Who this program fits
SBA financing can fit an eligible small business seeking funding for a permitted purpose and prepared to provide detailed financial and business documentation.
What lenders typically review
Requirements vary by provider, but these are useful areas to prepare.
- Business eligibility and use of funds
- Time in business and financial history
- Revenue, cash flow, and repayment ability
- Credit profiles, existing debt, and any required collateral or guarantees
Benefits and tradeoffs
Potential benefits
- SBA programs can support a range of eligible business purposes.
- Some programs may offer longer repayment terms, depending on the loan and use of funds.
Things to consider
- Applications can require extensive documentation and eligibility review.
- Fees, guarantees, collateral, and terms depend on the program and lender.
Frequently asked questions
Does the SBA make all SBA loans directly?
Many SBA loans are made by participating lenders with an SBA guarantee. Some SBA programs operate differently, so check the program details.
What can SBA loan funds be used for?
Permitted uses vary by program and may include working capital, equipment, or real estate. The lender and program rules determine eligibility.
What documents might a lender request?
A lender may request tax returns, financial statements, ownership information, and details about your business plan and intended use of funds.
Does a readiness score mean I qualify for an SBA loan?
No. The score helps you examine your profile; the lender and applicable SBA program determine eligibility and approval.
Get a clearer picture of your readiness
Explore your funding profile and identify the next steps for your business.
Disclosure
Lendable Capital is not a lender, bank, or credit repair organization. We do not issue loans, make credit decisions, or guarantee funding outcomes. Our services help connect individuals and business owners with funding partners and readiness resources. Funding approvals, terms, and amounts are determined by third-party lenders and depend on each applicant's unique profile, credit history, and program guidelines.