Financing
SBA loans
The cheapest capital available, if you can wait for it
Government-guaranteed loans placed through our lending partners. The paperwork is real and the timeline is weeks, not hours — but nothing else comes close on rate or term length.
At a glance
- Amount
- $50,000 – $5,000,000
- Term
- 10 – 25 years
- Speed
- 30 – 90 days to close
- Cost
- Lowest rates of anything we offer
Best for: Acquisitions, real estate, refinancing expensive debt, long-horizon growth
Eligibility
Who qualifies
| Criteria | What we typically look for |
|---|---|
| Time in business | Typically 2+ years |
| Personal credit | Typically 680+ |
| Financials | Profitable tax returns |
| Business type | U.S.-based for-profit business |
Pricing
What it costs
Rates are set relative to prime, under caps set by the SBA, with terms up to 10–25 years.
Approval typically takes 30–90 days.
How it works
How sba loans works with Fuse
A pre-screen call confirms you are a realistic candidate.
We assemble the package: returns, financials, debt schedule, projections.
The file goes to the partner lender best suited to your use of funds.
Closing and funding follow underwriting and, where relevant, appraisal.
What you need
- 2+ years in business (most programs)
- 650+ FICO
- Business and personal tax returns
- Profitability or a credible path to it
A good fit when
- You are buying a business or property
- You want to refinance high-cost short-term debt
- Your books are clean and you can wait
Probably not when
- You need capital this week
- You have recent tax liens or a prior default
- Your records are incomplete
Questions
SBA loans FAQs
What SBA programs are available?
Through our lending partners, primarily SBA 7(a) loans, plus other SBA-backed programs depending on your needs.
How long does it take?
Approval typically takes 30–90 days, depending on the program and how complete your documents are.
What if I was denied by the SBA?
We can look at why and whether another lender or product fits better, such as a line of credit or working capital loan.
Can I get faster funding while I wait?
Yes. Some businesses use a shorter-term product to bridge the gap. We will be clear about the cost of doing so.
What documents are needed?
Typically business and personal tax returns, financial statements, bank statements, a debt schedule and ownership details.
Do you guarantee SBA approval?
No. No lender can. Approval depends on the lender's underwriting and SBA eligibility rules.
Can I bridge into an SBA loan?
Often. We can fund short-term capital now and work the SBA package in parallel, then use the SBA proceeds to retire the bridge.
Is Fuse Funders the lender?
On SBA files we act as your packager and advocate, placing the loan with partner lenders and staying on the file through closing.
Related reading
Keep reading
Other options
Not quite the right tool?
We place six products. If another one fits your situation better, we will say so.
Working capital, without the waiting room
One short application, three bank statements, and a decision the same business day. Applying will not affect your credit score.