Lowest rates

SBA Loans

Government-backed loans with the longest terms and lowest rates available — and we handle the paperwork.

Amount range$50K–$5M

Typical termUp to 25 years

Funding speed2–6 weeks

What it is

SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer the longest terms and lowest rates in small-business finance. They're the gold standard for major investments — real estate, large equipment, acquisitions, or substantial working capital — where you want the most affordable cost of capital available.

The trade-off is paperwork: SBA programs are famously document-heavy and the timeline runs weeks, not days. That's where Lúmen earns its keep. A dedicated SBA specialist manages the application end to end, assembles the package, and keeps the process moving so you can stay focused on running your business.

Best for

Purchasing commercial real estate or a building
Funding a major acquisition or partner buyout
Large equipment or facility investments
Substantial, long-horizon working capital needs
Owners who want the lowest possible cost of capital

How it works

From application to funded

Consult a specialist

A dedicated SBA advisor reviews your goals and confirms which SBA program fits best.

Assemble the package

We help gather and prepare the required documentation — and handle the heavy paperwork for you.

Submit & underwrite

Your complete package is submitted and underwritten against SBA guidelines.

Close & fund

Once approved, you close and receive funds — typically within two to six weeks overall.

Rates & terms

The details, in plain numbers

Loan amounts$50,000 – $5,000,000

TermsUp to 10 years (working capital), 25 years (real estate)

Rate typeLowest available; tied to prime + a small margin

Funding timeline2 – 6 weeks (varies by program)

Down paymentOften 10% for eligible purchases

GuaranteePartially backed by the U.S. SBA

SupportDedicated SBA specialist end to end

Eligibility

What you'll need to qualify

6+ months

Time in business

$15,000+

Monthly revenue

500+

Credit score

Active U.S.-based business bank account
Three months of recent bank statements
Basic business and ownership details

Why owners choose it

Benefits of SBA Loans

Lowest cost of capital

SBA backing unlocks the most competitive rates available in small-business lending.

Longest terms

Repay over as long as 25 years for real estate — keeping monthly payments low.

Large amounts

Borrow up to $5M for real estate, acquisitions, and major investments.

We handle paperwork

A dedicated specialist assembles and manages the application from start to finish.

Builds strong credit

Successfully closing an SBA loan strengthens your business credit standing.

Expert guidance

Your SBA advisor keeps the process moving and answers every question along the way.

Industries we fund with SBA Loans: popular fits include Real Estate, Hospitality, Manufacturing. See all industries.

FAQ

Common questions

SBA programs require thorough documentation and government review, so they typically take two to six weeks. We manage the paperwork to keep things moving as fast as possible.

Common uses include buying commercial real estate, acquiring a business, purchasing large equipment, and substantial working capital.

For eligible purchases like real estate, a down payment of around 10% is common. Your specialist will confirm specifics for your program.

Yes. Because the loan is partially guaranteed by the SBA, lenders can offer rates tied to prime plus a small margin — the lowest available for most borrowers.

Related funding

Other products to consider

Ready to put SBA Loans to work?

Apply in about five minutes with no impact to your credit score to see what you qualify for. A funding advisor can have you funded fast.

Apply now Talk to an advisor