SBA & USDAMost flexible
SBA 7(a) Loans
- Rate
- Prime + 0–3%
- Amount
- $50K–$5M
- Term
- Up to 25 yrs
- Timeline
- 45–90 days to close
Often compared with SBA 504 Loans →
Nationwide SBA & Commercial Loan MarketplaceOne application.
250+ lenders.
You choose.
Tell us about your deal once. We send it to the lenders that fit, and you compare real offers side by side. Decisions in 24–48 hours.
- ✓ No obligation
- ✓ SOC 2 Compliant
- ✓ 256-bit SSL
- ✓ NMLS 2272778
Example offerBest match
SBA Preferred Lender
- Rate
- Prime + 2.25%
- Term
- 10 yrs
- Down
- 10%
Illustration only, not an offer of credit.
Shop by business
Financing for the business you built.
Pick your industry to see the loans owners like you use most.
How the marketplace works
Apply once. Let lenders compete.
Tell us about your deal
One secure application covers every program, so you only fill it out once.
- Loan type
- SBA 7(a)
- Amount
- $1.2M
We shop 250+ lenders
Your Halo specialist sends it only to lenders that fit your industry, size and timeline.
- Banks & credit unions
- ✓
- SBA preferred lenders
- ✓
Compare and choose
See offers side by side, pick the one you want, and get a decision in 24–48 hours.
- Offers to compare
- Side by side
- You choose
- No obligation
Client stories
Real businesses. Real results.
A few of the 1,500+ businesses Halo has helped finance.
$1.2M · SBA 7(a) Loan★★★★★Maria S.Owner, Bella Cucina Restaurant Group
“Halo connected us with the right SBA lender in under 48 hours. The process was seamless and we closed in just 30 days. I couldn't believe how easy it was compared to going directly to a bank.”
$4.1M · Commercial Real Estate★★★★★Sarah K.Founder, Greenfield Medical Partners
“We compared rates from multiple lenders through Halo's marketplace and saved over $40K in interest over the life of our loan. The transparency was refreshing.”
$750K · Equipment Financing★★★★★Robert M.Operations Director, Summit Construction LLC
“Halo helped us secure equipment financing when our bank said no. Their lender network found a solution tailored to our seasonal cash flow. Outstanding service.”
Client names shortened for privacy. Photos show the industry, not the clients.
The Halo network
The lender network behind every application.
Banks, credit unions, SBA preferred lenders, CDCs and private debt funds, plus Halo's own direct CRE and equipment lending.
- Funded for our clients
- $1.5B+
- Businesses financed
- 1,500+
- Lenders, including 75+ SBA lenders
- 250+
- Decisions
- 24–48 hr
The marketplace
Shop every loan program.
Showing programs for
Not sure which loan fits?
Answer three questions and we will show your three best-fit programs.
1 · What it's for 2 · How much 3 · How soon
10 of 26 programs
SBA & USDABuy your building
SBA 504 Loans
- Rate
- Fixed, from 7%
- Amount
- SBA share up to $5M
- Term
- 10, 20 or 25 yrs
- Timeline
- 45–90 days to close
Often compared with SBA 7(a) Loans →
EquipmentAny business equipment
Equipment Financing
- Rate
- From 7%
- Amount
- $25K–$15M
- Term
- Up to 10 yrs
- Timeline
- Decision in 24–48 hrs
Often compared with Equipment Leasing →
Working capitalPayroll and inventory
Working Capital Loans
- Rate
- From 7.99%
- Amount
- $100K–$50M
- Term
- 6–24 months
- Timeline
- Decision in 24–48 hrs
Often compared with Business Line of Credit →
Buy a businessBuying a business
Business Acquisition Loans
- Rate
- Prime + 0–3% (SBA)
- Amount
- $100K–$5M
- Term
- Up to 10 yrs
- Timeline
- Pre-approval in 24–48 hrs
Often compared with SBA 7(a) Loans →
SBA & USDAFaster SBA decision
SBA Express Loans
- Rate
- From 7%
- Amount
- Up to $500K
- Term
- Up to 25 yrs
- Timeline
- Decision in as little as 36 hrs
Often compared with SBA 7(a) Loans →
Working capitalDraw as you need
Business Line of Credit
- Rate
- From Prime + 2%
- Amount
- $50K–$50M
- Term
- Revolving
- Timeline
- 1–3 days
Often compared with Working Capital Loans →
Real estateBuy the building you use
Owner-Occupied CRE Loans
- Rate
- Fixed, from 7%
- Amount
- Up to $5M SBA, or more
- Term
- Up to 25 yrs
- Timeline
- 30–90 days to close
Often compared with SBA 504 Loans →
EquipmentKitchens & restaurants
Restaurant Equipment Financing
- Rate
- From 7%
- Amount
- Up to 100% financed
- Term
- 2–7 yrs
- Timeline
- Decision in 24–48 hrs
Often compared with Equipment Leasing →
Working capitalOne-time investments
Business Term Loans
- Rate
- From 7%
- Amount
- $25K–$10M
- Term
- 3–7 yrs
- Timeline
- 1–2 weeks
Often compared with Working Capital Loans →
FAQ
Frequently Asked Questions
Get answers to common questions about our loan programs, application process, and requirements.
We offer the full range of SBA loan programs through our lender marketplace, including SBA 7(a) loans for general business purposes, SBA 504 loans for commercial real estate and equipment, and SBA Express loans for fast working capital. Our marketplace matches you with the best lender for your specific needs.
Pre-approval decisions are typically provided within 24-48 hours of submitting a complete application. Full SBA loan approvals generally take 30–60 days, while conventional commercial loans and bridge financing can close in as little as 2–4 weeks. Our dedicated loan officers work to expedite every step of the process.
Standard documentation includes 2–3 years of business and personal tax returns, a current profit & loss statement, a balance sheet, bank statements from the last 3–6 months, and a business plan or executive summary. Our team will guide you through exactly what's needed for your specific loan type.
Requirements vary by loan program and lender. SBA loans typically require a minimum credit score of 650–680, while conventional commercial loans may require 680 or higher. Our marketplace includes lenders with flexible criteria, so even if your credit isn't perfect, we can often find a solution.
Instead of applying to one bank and hoping for the best, our marketplace connects you with 250+ lenders competing for your business. This means better rates, higher approval odds, and a single application process. You also get a dedicated loan officer who advocates for your deal from start to finish.
No. Our initial pre-qualification uses a soft credit inquiry that does not impact your credit score. A hard inquiry is only performed once you've selected a lender and chosen to move forward with a formal application.
We serve virtually all industries including healthcare, restaurants & food service, construction, manufacturing, retail, transportation, hospitality, gas stations, car washes, and more. Our lender network includes specialists in niche industries who understand sector-specific financing needs.
Loan amounts range from $50,000 to over $50 million depending on the program. SBA 7(a) loans go up to $5 million, SBA 504 loans up to $5.5 million, and conventional commercial loans have no statutory cap. We'll help you determine the right amount and structure for your goals.
Still have questions? Our loan experts are here to help.