SBA Loans - Small Business Administration Loans
National Business Loans can help fuel your business growth with the power of SBA Loans—backed by the United States Small Business Administration (SBA) and designed to make financing more accessible. SBA Loans offer flexible terms, low down payments, and competitive interest rates, making them ideal for startups, expanding businesses, or those in need of working capital. Whether you're purchasing equipment, acquiring real estate, or managing day-to-day operations, our team will guide you through the SBA loan process from application to funding. Empower your business with the support it needs to thrive.
SBA 7(a) Loans
The SBA 7(a) Loan is the most popular and versatile financing option for small businesses. Ideal for working capital, equipment purchases, inventory, business acquisition, or debt refinancing, 7(a) loans offer long repayment terms and lower down payments. Backed by the Small Business Administration, these loans help reduce lender risk and make funding more accessible to entrepreneurs looking to start, grow, or sustain their business.
SBA 504 Loans
SBA 504 Loans are perfect for business owners ready to invest in long-term assets. Designed specifically for purchasing real estate, major equipment, or renovating existing facilities, 504 loans offer fixed-rate financing with down payments as low as 10%. Through a partnership between lenders and Certified Development Companies, 504 Loans provide stable, affordable funding to support expansion and job creation.
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What Makes Our Process Different
SBA Loan Documentation Checklist
Here's what you'll typically need to prepare for a smooth application process:
Personal Documentation
- Valid government-issued ID (driver’s license or passport)
- Personal financial statement (SBA Form 413)
- Personal credit report and background information
Business Documentation
- Business plan (with use of funds and financial projections)
- Business license or registration
- Articles of Incorporation or Organization
- List of business ownership and affiliations
- Business credit report (if available)
- Business bank account
Financial Statements
- Last 2–3 years of business and personal tax returns
- Recent business bank statements (typically 3–6 months)
- Year-to-date balance sheet and profit & loss (P&L) statements
- 12-month cash flow forecast
SBA Forms
- SBA Loan Application (Form 1919)
- Statement of Personal History (Form 912), if applicable
- Collateral documentation (if using real estate or equipment)
- Business debt schedule (list of current liabilities)
Additional Documents (As Needed)
- Lease agreement or property deed
- Franchise or business purchase agreement
- Equipment or construction estimates
At National Business Loans, we are here to help you get the funding you need, when you need it most. In addition to start up loans, we also provide start up loans to help you create the business you have been dreaming of.