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Get working capital or lower down payment with an SBA Loan!

SBA Working Capital Loan Marketplace

Get $75k – $750k in working capital to grow your business.

SBA Working Capital Loans can be used for almost any business need. Refinance an existing working capital loan, buy equipment, expand or remodel a business location. SBA working capital loans are unsecured and require no collateral.


$75,000 – $750,000


6.25% – 8.75%*

Business loan terms


10 Years

No Pre-Payment Penalty

Business loan terms and conditions

SBA 7a & 504 Loan Requirements

Business Loan Terms

2+ Years in Business

We require 24 months in business. No startup business allowed.

$250,000+ in Annual Sales

Business needs to gross over $250,000 a year to qualify for an SBA loan.

660+ Credit Score

All business owners must have a 660 credit score or above to qualify.

Online SBA Loans

A simple and streamlined SBA loan process!

  • Step 2 – Upload Business Taxes
  • Step 3 – Wait for your Approval,
    Our underwriting system provides a decision in 24 hours.

A business must report more than $30,000 a year in profit on tax returns to qualify.

Ways to use an SBA Working Capital Loan?

It’s tough to beat the low-cost rates and long repayment terms of an SBA working capital loan. However, the traditional process of applying directly at a bank can be quite frustrating and often results in a denial letter. We make it easy for you to apply for an SBA working capital loan online by matching your business with the bank partner that will fund your SBA loan. Apply Online!



Attract new customers to grow your business.

business inventory

Buy Inventory

Purchase inventory for your business.

new employees

Hire Employees

Add new employees or needed staff.

refinance debt

Refinancing Debt

Refinance existing business debt.

new business location

Business Expansion

Grow your business by adding new products.

commercial vehicle

Purchase Equipment

Purchase new or used equipment.

Applying will not affect your personal credit!

SBA – Commercial Real Estate Loan Marketplace

$500,000 – $15,000,000 Loan amounts

Purchase or Refinance Commercial Real Estate with an SBA Loan. With 25-year loan terms and interest rates ranging from 6.75% to 8.5%*, SBA 7(a) loans are a great option for small businesses looking to refinance an existing commercial real estate loan, buy an office building or other commercial space. The rent replacement option with a 0$ down payment offered by SBA, lets you keep more cash to invest in your small business.


$500,000 – $15,000,000


5.75% – 7.5%*

Business Loan Terms


25 Years Fixed Term

No Pre-Payment Penalty

Unique Loan Benefits

0%-10% down payment option and no collateral needed for some loans.

Purchase a Commercial Property

Build equity in your business by owning rather than leasing your current location. Take advantage of our rent replacement option with minimal down payment required!

Refinance your Commercial Loan

Avoid upcoming balloon payments or high-interest rates by refinancing to a long term SBA commercial real estate loan.

Simple, Fast & Secure

Save time by using our technology to prequalify in less than 5 minutes without impacting your personal credit score. 

Streamlined SBA Loan Process

We’ve streamlined the loan application process so you only complete one application when you apply for an SBA loan.

NSBA Advocate

Halo business memberships. There are almost 28 million small businesses in the US. NSBA’s membership comprises more than 65,000 small businesses in all 50 states and representing every industry. This large network of small business advocates allows us to proudly represent our member’s interests in the Nation’s Capitol and beyond. 
Free Business Loan Consultation!

Use A SBA Loan to Cover Any Business Need.

  • Business real estate – SBA loan to purchase or refinance commercial real estate.
  • Construction loans – SBA loans for ground-up construction or improvements of commercial real estate.
  • Business acquisition or partner buy-outs – SBA loan for the purpose of purchasing an existing business or buying out a partner.
  • Expansion loans – SBA loans to expand to open another location.
  • Equipment loans – SBA term loans to purchase new or used equipment.
  • Working capital – Working Capital Through a line of credit or an SBA loan.

Compare working capital loans

Compare Working Capital Loans to See How Much Money You Can Save!

save money
Fast Working Capital LoanMerchant Cash Advance
SBA Working capital loanSBA Capital Loan
Interest Rates
18% 7.25%
Loan Process
2 Days 21 Days
Max Terms
24 Months 10 Years
Loan Amounts 
$10,000 – $750,000 $75,000 – $750,000

Better rates with a lower monthly payment!
Halo Business Finance