SBA Loans
Government-backed loans offering some of the lowest rates and longest terms available to small businesses—and a dedicated specialist who handles the paperwork for you.
What it is
SBA loans are partially guaranteed by the U.S. Small Business Administration, which lowers risk for lenders and unlocks some of the most favorable rates and longest repayment terms a small business can access. That guarantee is why payments can be so low and terms so long.
The trade-off is paperwork and a longer timeline. Pulse Capital's SBA specialists manage the documentation, package your file, and handle the back-and-forth—so you get the benefits of an SBA loan without the usual headache, and we expedite wherever possible.
Best for
- Established businesses making a major, long-term investment.
- Owners who want the lowest possible cost of capital and can wait a few weeks.
- Funding real estate, large equipment, or acquisitions with long payback.
- Refinancing expensive debt into a low-rate, long-term structure.
How it works
1. Talk to a specialist
A dedicated SBA advisor reviews your goals and confirms you're a strong fit before you invest time.
2. Build your file
We help gather and package the required documentation—and handle the heavy lifting.
3. Submit & underwrite
Your file goes through SBA underwriting; we manage the back-and-forth and expedite where possible.
4. Close & fund
Sign your closing documents and receive funds with a low rate and long, comfortable term.
Rates & terms
- Among the lowest rates a small business can access.
- Long terms mean low, manageable monthly payments.
- A dedicated specialist manages your file end to end.
Eligibility & requirements
Most businesses that meet our three core thresholds can qualify:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- A US-based business bank account
Why businesses choose it
Lowest-cost capital
Government backing unlocks rock-bottom rates.
Long, low payments
Terms of 10+ years keep monthly payments comfortable.
Hands-on guidance
A specialist manages the paperwork and timeline for you.
Broad uses
Real estate, equipment, working capital, refinancing, and more.
Frequently asked questions
SBA loans involve a government guarantee and more documentation than other products. That's the trade-off for their low rates and long terms—and our specialists expedite the process wherever possible.
Nearly any legitimate business purpose—commercial real estate, large equipment, acquisitions, working capital, and refinancing existing debt.
SBA-backed loans offer some of the lowest rates available to small businesses, thanks to the partial government guarantee that reduces lender risk.
Established, profitable businesses with solid credit and a clear use of funds are the best fit. Our specialists will confirm your eligibility up front before you invest time in the paperwork.
Related funding
Not sure this is the perfect fit? These products solve similar needs in different ways.
The lowest-cost capital, made simple.
Get the favorable rates and long terms of an SBA loan with a specialist who handles the paperwork—start with a quick eligibility check.