Combined SBA financing up to $10M, effective July 4, 2026.
GoBiz Lending — SBA Specialists
Loans built on real rates.
SBA 7(a), SBA 504, and USDA B&I loans, brokered by specialists. Every payment we model uses live rates pulled directly from the Federal Reserve — not marketing estimates.
Talk to a specialist Model your loan

Today, from the Federal Reserve

fetching…

Wall St. Prime
—
10Y Treasury
—
SBA 7(a) max (≥$50k)
—
SBA 504, 25-yr
—
$5M
Max SBA 7(a) loan amount
$5M
Standard SBA 504 debenture
10%
Typical 504 borrower contribution
25yr
Max term on real estate

Source — U.S. Small Business Administration program guidelines.

The Programs

Three programs. One specialist to navigate them.

01 — SBA 7(a)

Working capital, acquisitions, equipment, real estate.

Amount
Up to $5M
Term
10–25 yr
Rate
Prime + spread
  • Broadest set of uses among SBA programs
  • Fully amortized — no balloon
  • Express variant for sub-$350k
  • Up to 85% SBA guarantee
Explore SBA 7(a)

02 — SBA 504

Owner-occupied real estate and major fixed assets.

Amount
Up to $5M
Term
10–25 yr
Rate
Treasury + spread
  • 10% down typical for borrowers
  • Long-term fixed rate on the SBA portion
  • Bank + CDC + borrower structure
  • Refinance eligibility for qualifying debt
Explore SBA 504

03 — USDA B&I

Capital for businesses in rural America.

Amount
Up to $25M
Term
7–30 yr
Rate
Prime + spread
  • Areas with populations under 50,000
  • Job creation priority scoring
  • Manufacturing, service, retail, ag
  • USDA guarantee up to 80%
Explore USDA B&I

What we do

SBA expertise, end to end.

  1. 01

    Program selection

    We match your project to the right SBA program — 7(a) for broad business uses, 504 for owner-occupied real estate and large fixed assets, USDA B&I for rural projects. Each has different uses, terms, and fees.

  2. 02

    Live rate transparency

    Our calculator pulls current rates directly from the Federal Reserve so you can model real numbers, not marketing estimates.

  3. 03

    Hands-on guidance

    We work with you on packaging, underwriting questions, and the lender relationship — through close.

The Process

From conversation to close.

  1. I.

    Talk

    A short intake call to understand the project and identify the right SBA path.

    30 minutes
  2. II.

    Match

    We pair your project with the lender best positioned to approve it.

    Days
  3. III.

    Package

    We assemble the application and underwriting package — and stay involved when questions come up.

    Per program
  4. IV.

    Close

    Through credit approval, conditions, and funding.

    Per program

Insights

Notes on SBA lending.

Next step

Talk through your actual deal.

The calculator gets you to a real number. We get you to a real loan — program fit, packaging, and which lenders make sense for your specific project.

Start the conversation Open the calculator