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Funding product

SBA Loans

Government-backed loans offering some of the most affordable financing available, with terms up to 25 years — and a specialist to handle the paperwork.

Amounts $50K - $5M Term Up to 25 years Funding 2 - 6 weeks

What it is

SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets us offer some of the lowest rates and longest repayment terms available anywhere — up to 25 years on real-estate-backed financing. For established, creditworthy businesses making a major investment, nothing else comes close on affordability.

The application is more involved than our other products, but you won't navigate it alone: a dedicated SBA specialist assembles the paperwork, coordinates with the lender, and guides you through every step to approval.

Best for

A sba loans tends to be the right fit when:

  • Established businesses seeking the lowest possible rate
  • Commercial real estate purchases or major renovations
  • Large expansions, acquisitions, or partner buyouts
  • Refinancing expensive debt into a long, low-rate structure
  • Owners with solid credit willing to trade speed for savings

How it works

  1. Pre-qualify with a specialist

    Talk with a dedicated SBA advisor who confirms eligibility and outlines the documents you'll need.

  2. Assemble the application

    We help you gather financials, tax returns, and a use-of-funds plan — and package it for the lender.

  3. Underwrite and approve

    The lender and SBA review the file. This is the longest step, typically a few weeks.

  4. Close and fund

    Sign your loan documents and receive funds, then repay over a long, low-rate term.

Rates & terms

Pricing & structure

  • Loan amount$50,000 - $5,000,000
  • Term lengthUp to 10 yrs (capital), 25 yrs (real estate)
  • Rates fromPrime + 2.25% - 4.75%
  • RepaymentMonthly, fixed or variable
  • Down payment10% - 20% (varies)
  • Prepayment penaltyLimited, by program

Eligibility & requirements

  • Time in business2+ years preferred
  • Monthly revenue$15,000+
  • Credit score640+ recommended
  • CollateralOften required
  • Business typeSBA-eligible, for-profit
  • Decision time2 - 6 weeks

Figures are illustrative and do not constitute an offer of credit. Final rates and terms are set by underwriting and vary by qualifications.

Why owners choose it

Lowest rates

Government backing unlocks the most affordable pricing we offer.

Longest terms

Stretch repayment up to 25 years for tiny monthly payments.

Dedicated specialist

A pro handles the paperwork and guides you to approval.

Big-ticket ready

Up to $5M for real estate, acquisitions, and major growth.

Do you qualify?

Northwind's core requirements

Most applicants qualify for a sba loans if they meet our baseline standards:

  • 6+ months in business
  • $15,000+ in monthly revenue
  • 500+ personal credit score
  • A U.S.-based, for-profit business

SBA programs have stricter eligibility and require more documentation than our other products. If you don't qualify yet, a long-term loan can be a strong stepping stone.

Frequently asked

Because the SBA guarantees part of the loan, the application requires more documentation and review. Most close in two to six weeks — the trade-off for the lowest rates and longest terms.

SBA loans through Northwind range from $50,000 up to $5,000,000, depending on the program and your qualifications.

Many SBA loans require 10%-20% down, particularly for real estate or acquisitions. Your specialist will confirm based on your program.

If you fall short on time in business or credit, we'll recommend a long-term loan or line of credit to build toward SBA eligibility.

Not quite the right fit? These products solve similar needs:

Popular with these industries

  • Real Estate — long-term, low-rate property financing
  • Hospitality — fund renovations and acquisitions
  • Franchises — finance fees, buildouts, and new units

Steady capital. Solid partners.

The most affordable capital we offer

Let an SBA specialist see if you qualify for our lowest rates and longest terms.

Apply in 5 minutes Talk to an advisor