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    Get a Better Rate with a SBA Loan. Same Day Approval

    Online SBA Working Capital Loan

    Get $50k – $350k in working capital to grow your business.

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


    $50,000 – $350,000


    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 12 months in business. No start up business allowed.

    $250,000+ in Annual Sales

    Business needs to gross over $250,000 a year to qualify for any SBA program.

    660+ Credit Score

    All business owners must have a 660 credit score or above to qualify.
    Business must report more than a $1.00 profit on tax returns to Qualify.

    Online SBA Loans

    A Simple Loan Process, Decision in Minutes!

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

    Ways to use a SBA Working Capital Loan?

    It’s tough to beat the low cost rates and long repayment terms of a 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 a 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 employess or needed staff.

    refinance debt

    Refinancing Debt

    Refinance existing busines 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 Loans

    $500,000 to $15,000,000 Loan Amounts

    Purchase or Refinance Commercial Real Estate with a SBA Loan. With 25-year loan terms and interest rates ranging from 5.75% to 7.5%*, 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 purchasing rather than leasing. 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

    Use our secure software to prequalify in less than 5 minutes without impacting your personal credit score. 

    Streamlined Business 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 members interests in the Nation’s Capitol and beyond. 
    Free Business Loan Consultation!

    Use A SBA Loan to Cover Any Business Need.

    • Business real estate.  Use a 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. A SBA loan for the purpose of purchasing an existing business or buying out a owner.
    • 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 a SBA loan.

    Compare working capital loans

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

    save money
    Fast Working Capital Loan Fast Working Capital Loan
    SBA Working capital loan SBA Working Capital Loan
    Interest Rates
    Loan Process
    2 Days21 Days
    Max Terms
    24 Months10 Years
    Loan Amounts 
    $10,000 – $750,000$50,000 – $350,000

    Better rates with a lower monthly payment!
    Halo Business Finance