Foundational answers about SBA loans, how they work, and how they differ from conventional financing.
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An SBA loan is a business loan made by an approved lender and partially guaranteed by the U.S. Small Business Administration.
SBA loans work through approved lenders that underwrite, close, and service the loan while the SBA provides a partial guarantee.
The main SBA loan types include 7(a), 504, Express, Microloan, CAPLines, Export loans, and disaster-related programs.
SBA loans may offer longer terms, competitive pricing, and flexible uses, but they require documentation and lender underwriting.
SBA loans include a partial government guarantee, while traditional bank loans are based on the lender's own credit standards.
SBA stands for Small Business Administration, the federal agency that supports approved lenders through SBA-backed loan programs.
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