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Condense Capital

SBA Loans

Fuel your business growth with SBA loans that offer favorable terms and substantial funding options.

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Fast, Flexible Financing at Your Fingertips

With access to substantial loan amounts, enjoy the fastest approval times in the industry and competitive fees, all structured to support your financial ambitions seamlessly.

20k+

Loan Amount

24h

Fastest Approval

7%

Starting Rates
Condense Capital

Understanding SBA Loans

Small businesses make up the vast majority of American companies, but they often have trouble when it comes to finding financing. SBA loans help even the playing field, giving small businesses the opportunity to borrow what they need for real estate, equipment, construction, and more. The Small Business Administration backs loans for small businesses, reducing risk for lenders and opening up loans to borrowers who have had trouble qualifying in the past. Borrow $5M or more to use toward your small business needs when you partner with a broker who can match you with the best SBA loan. Down payments start at just 10% minimum and interest rates are capped by the Federal government. Depending on the SBA loan you choose, fixed and variable interest rates are available. Brokers can connect you with SBA 7a and SBA 504 loans to fit your business. If you’ve been denied funding before, the SBA can help. Talk with a broker today. 

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Funding Options

SBA Loan Solutions

Acquisitions

When you want to expand your territory to take over another business, the SBA 7a loan can help you do it. The SBA acts as a guarantor on bank and other types of loans, making them more affordable for small businesses, but not all lenders are the same. Ask a broker to get the best deals.

Construction

Land acquisition, ground-up construction, building expansions, and improvements can all be financed with an SBA loan. That means you can start your next project for as little as 10% down when you qualify. Work with a broker to discover how you can get building for less with an SBA construction loan.

Equipment

Get machines, kilns, copiers, computer networks, and more with an SBA loan for your small business equipment. Low rates and 10% down means you can finance for less, even if you don’t have good credit. Find out how to apply for an SBA 7a or 504 loan today by contacting our brokers.
Maximizing the Benefits

How to Effectively Use SBA Loans

The SBA loan you choose will depend on your company’s needs and structure. The most common SBA loans are the 7a and 504, which can cover some of the same expenses, but benefit companies in different ways. SBA 7a loans can include working capital, while 504 loans cannot. SBA 504 loans have fixed interest rates while 7a loans are mostly variable. However, both loans can finance real estate for up to 25 years and equipment for 10 years. An SBA 504 loan can be more beneficial to companies with multiple partners, but the 7a loan is more suitable for higher-risk purchases. Ask a broker to help you decide which SBA loan is right for your small business. 

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Advantages

Opportunities with SBA Loans

Low Minimums

Start with accessible financing amounts that fit your business needs.

Capped Interest Rates

Enjoy protection with interest rates that are capped, ensuring manageable repayments.

Get $5M+

Access significant funding to support large-scale business initiatives.

Many Options Available

Choose from a variety of SBA loan programs tailored to different business requirements.

FAQ

In-depth answers to common queries

Explore for clear answers and straightforward solutions to your most common questions about private lending.

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Begin your journey toward financial flexibility and freedom. Apply now to access the benefits of private lending tailored just for you.
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Q. What’s the difference between an SBA 7a and 504 loan?
While both loans can cover expenses like real estate, equipment, and construction, they’re very different options. SBA 7a loans can be used for working capital, but require personal guarantees. SBA 504 loans have fixed rates, but can’t be used for working capital. The loan you choose will depend on factors like your company’s structure, time in business, and credit history. To learn more, reach out to a broker today.
Q. Can I use an SBA loan to buy computers?
Yes, you can use working capital or equipment financing to cover the cost of computers with an SBA loan. Finding the right loan depends on the quantity and type of computers you need. Ask a broker for details.
Q. What’s the minimum credit score needed to qualify for an SBA loan?
There’s no minimum score required by the SBA, so lenders are the ones who set score minimums. For that reason, the numbers can vary. However, most lenders require a personal credit score of at least 620 to qualify and a business score of 140. If you don’t meet that requirement, don’t worry. A broker can help you find an SBA loan to suit your credit situation.
Q. What counts as a “small” business?
The SBA’s loan standards calculate the size of a business based on its number of employees, annual receipts, and industry. This is regulated by Title 13, Part 121 of the Electronic Code of Federal Regulations. However, you don’t need the code to find out if your business qualifies, just reach out to a knowledgeable broker.