The main SBA loan types include 7(a), 504, Express, Microloan, CAPLines, Export loans, and disaster-related programs.
The main SBA loan types include SBA 7(a), SBA 504, SBA Express, SBA Microloan, CAPLines, Export loans, and disaster-related programs. Each program is built for different financing needs.
The right program depends on the use of funds, loan size, urgency, collateral, and whether the request involves working capital, equipment, real estate, or acquisition financing.
The best starting point is identifying the use of funds, then matching the request to the right SBA program.
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.
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.
Have an SBA loan scenario to review? Market Direct Capital can help evaluate structure, eligibility, and next steps.
Request Quote