Comparison Tool
Compare Loan Programs Side by Side
See how SBA 7(a), 504, Express, and Bridge loans stack up on rates, terms, speed, and eligibility — so you can choose with confidence.
Select programs to compare:
Program Overview
Each loan program is designed for different business needs. Use the "Best For" tags to quickly identify which option fits your situation.
SBA 7(a) Loan
Most Versatile SBA Program
BEST FOR
Working Capital
Acquisitions
Debt Refinancing
General Purpose
AmountUp to $5M
RatePrime + 2.25–4.75%
Term10–25 years
Speed30–90 days
KEY ADVANTAGES
- Flexible use of funds
- Lower down payments
- Government-backed guarantee
- Longer approval timeline
- Extensive documentation required
SBA 504 Loan
Best Fixed Rates for Real Estate
BEST FOR
Commercial Real Estate
Major Equipment
Owner-Occupied Properties
AmountUp to $5.5M
RateBelow-market fixed rate
Term10–25 years
Speed45–120 days
KEY ADVANTAGES
- Below-market fixed interest rates
- Up to 90% financing
- Long-term rate stability
- Must be owner-occupied (51%+)
- Cannot be used for working capital
SBA Express Loan
Fastest SBA Approval
BEST FOR
Quick Capital Needs
Lines of Credit
Small Loan Amounts
AmountUp to $500K
RatePrime + 4.5–6.5%
Term5–25 years
Speed36 hours (SBA response)
KEY ADVANTAGES
- 36-hour SBA turnaround
- Revolving line of credit option
- Streamlined application
- Lower maximum loan amount
- Higher interest rates
Bridge Loan
Speed When It Matters Most
BEST FOR
Time-Sensitive Deals
Property Acquisitions
Value-Add Projects
Transitional Financing
Amount$500K–$50M+
Rate7.5–12%
Term6–36 months
Speed2–3 weeks
KEY ADVANTAGES
- Fastest closing times
- Flexible qualification criteria
- Interest-only payments available
- Higher interest rates
- Short-term only
Detailed Comparison
A comprehensive breakdown of every metric across the selected loan programs.
| Metric | SBA 7(a) Loan | SBA 504 Loan | SBA Express Loan | Bridge Loan |
|---|---|---|---|---|
| Loan Amount | Up to $5M | Up to $5.5M | Up to $500K | $500K–$50M+ |
| Interest Rate | Prime + 2.25–4.75% | Below-market fixed rate | Prime + 4.5–6.5% | 7.5–12% |
| Loan Term | 10–25 years | 10–25 years | 5–25 years | 6–36 months |
| Down Payment | 10–20% | As low as 10% | 10–20% | 20–25% |
| Funding Speed | 30–90 days | 45–120 days | 36 hours (SBA response) | 2–3 weeks |
| SBA Guarantee | Up to 85% | Up to 40% (CDC portion) | Up to 50% | N/A |
| Prepayment Penalty | Yes (first 3 years) | Yes (first 10 years) | No | Varies |
| Collateral | May be required | Property/equipment financed | Lender discretion | Yes (property) |
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SBA 7(a) Loan
Loan AmountUp to $5M
Interest RatePrime + 2.25–4.75%
Loan Term10–25 years
Down Payment10–20%
Funding Speed30–90 days
SBA GuaranteeUp to 85%
Prepayment PenaltyYes (first 3 years)
CollateralMay be required
SBA 504 Loan
Loan AmountUp to $5.5M
Interest RateBelow-market fixed rate
Loan Term10–25 years
Down PaymentAs low as 10%
Funding Speed45–120 days
SBA GuaranteeUp to 40% (CDC portion)
Prepayment PenaltyYes (first 10 years)
CollateralProperty/equipment financed
SBA Express Loan
Loan AmountUp to $500K
Interest RatePrime + 4.5–6.5%
Loan Term5–25 years
Down Payment10–20%
Funding Speed36 hours (SBA response)
SBA GuaranteeUp to 50%
Prepayment PenaltyNo
CollateralLender discretion
Bridge Loan
Loan Amount$500K–$50M+
Interest Rate7.5–12%
Loan Term6–36 months
Down Payment20–25%
Funding Speed2–3 weeks
SBA GuaranteeN/A
Prepayment PenaltyVaries
CollateralYes (property)
Not Sure Which Loan Is Right?
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