SBA Loans:
Long-Term Capital for Growth & Expansion
SBA loan programs offer some of the most flexible and competitive long-term financing available to established businesses. Kovos Capital helps you navigate 7(a), 504, Express and other SBA options through our network of preferred lenders — matching the right structure to your expansion, acquisition, or equipment goals.
What Is an SBA Loan?
An SBA loan is a business loan issued by a private lender (such as a bank, credit union, or other approved institution) and partially guaranteed by the U.S. Small Business Administration (SBA).
The SBA itself does not usually lend the money directly (except in limited cases, such as certain disaster loans). Instead, it guarantees a portion of the loan—typically 50% to 85%, depending on the program and loan size. This government guarantee reduces the lender’s risk if the borrower defaults, which allows lenders to offer more favorable terms than many conventional loans.
Commonly used for:
Business Expansion
Equipment Financing
Commercial and Real Estate Purchases
Partner Buyouts
Debt Refinancing
BEST FOR:
Established Businesses
Business Aquisitions
Expansion Projects
Equipment Investments
Long-term Growth Initiatives
Key Advantages: Lower downpayments, longer repayment terms, and easier qualification than traditional bank loans
SBA Loan Pros & Cons
Pros:
Low Interest rates: Rates are capped by the government, making them more affordable than online or alternative lenders.
Long Repayment Terms: Terms stretch up to 25yrs for real estate and long-term assets
Flexible use of funds: Money can cover working capital, equipment, inventory or debt financing.
Cons:
Slow approval process: Funding takes anywhere from 30-90 days, which does not suit urgent cash needs.
Strict eligibility rules: Borrowers need strong credit scores (typically 650+), solid revenues, and extensive documentation.
Personal guarantees: Borrowers face personal liability through mandatory personal guarantees.
SBA Time Line
SBA financing requires more documentation and underwriting than most online business loans.
* SBA loans under $350,000: Often funded more quickly through streamlined programs
* SBA loans over $350,000: Typically 30 to 45 business days from application to funding
* Complex transactions involving real estate or business acquisitions may take longer
Typical SBA Requirements
* Typically 650+ personal FICO score from all 3 credit bureaus
* For-profit business operating in the United States
* Demonstrated ability to repay the loan
* Strong personal and business credit history
* Sufficient cash flow to support loan payments
* Business owner investment in the company
* No recent bankruptcies, foreclosures, or serious credit issues
Documents Needed to Apply
1. Completed Application
2. Drivers License
3. Voided Business Check
4. Business Bank Statements (last 4 months)
5. Credit Score
6. Collateral Information
You may also be asked to provide the following, for larger dollar amounts over $100k
* Credit Application
* Balance Sheets
* Profit and Loss Statements
* 2 Years Business Tax Returns
* 2 Years Personal Tax Returns
Most Common SBA Loans
Standard 7A Loan Program: The most applied for, SBA's primary business loan program, provides loan guaranties to lenders that allow them to provide financial help for small businesses with special requirements. The maximum amount of Standard 7A loans is $5 million dollars. This loan will provide 85% of a loan up to $150,000 and 75% of a loan greater than $150,000.
Core Uses:
Acquiring, refinancing, or improving real estate and buildings
Short- and long-term working capital
Refinancing current business debt
Purchasing and installation of machinery and equipment, including AI-related expenses
Purchasing furniture, fixtures, and supplies
Changes of ownership (complete or partial)
Multiple purpose loans, including any of the above
SBA Express Loan: A fast, government-backed financing option that provides up to $500,000 with a 50% maximum guarantee and an expedited lender response time. It is part of the broader SBA 7(a) loan program designed for small business owners needing quick working capital.
Core Uses:
Working Capital
Business Lines of Credit
Equipment Purchases
Debt Refinancing
Minor Renovations
SBA 504 Loan: A long-term, fixed-rate economic development loan designed specifically for purchasing major fixed assets like real estate or heavy equipment.
Core Uses: Strictly centered on permanent long-term business growth and job creation.
Purchasing Land or Existing Buildings
Ground-Up Construction
Major Facility Renovations
Long-Term Heavy Machinery
Debt Refinancing
Additional Available SBA Loans
SBA Microloan: An SBA microloan is a small, government-backed business loan of up to $50,000 (with an average amount around $13,000) issued through local, nonprofit community-based organizations. It helps startups and small businesses get funding when they cannot qualify for traditional bank loans.
SBA Export Working Capital Loan: An SBA Export Working Capital Program (EWCP) loan provides short-term cash flow up to $5 million with a 90% guarantee to the lender. It helps small businesses buy materials, pay production costs, and wait for foreign payments. You can apply before finalizing a sale to get flexible financing.
SBA Export Express Loan: A fast, flexible small business loan up to $500,000 designed to help companies start or expand international sales. It features quick approval directly from participating lenders, a high government guarantee, and versatile use for export development.
SBA International Trade Loan: Provides up to $5 million in financing with a high 90% government guarantee to help U.S. small businesses expand global sales or compete with foreign imports.
SBA Disaster Loan: A low-interest federal loan provided to help businesses, homeowners, renters, and non-profits recover from declared disasters. Up to $2 million for businesses to repair or replace damaged real estate, machinery, equipment, and inventory.
Our Approach
Kovos Capital focuses on well-qualified SBA transactions for established businesses seeking larger, longer-term capital solutions. We help you navigate 7(a), 504, Express and other SBA programs through our network of preferred lenders — matching the right structure to your expansion, acquisition, real estate, or equipment goals with clarity and strategic guidance.
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STILL NOT SURE?
Frequently Asked Questions
Who offers SBA Loans?
The SBA works with lenders to provide loans to small businesses but doesn’t lend money directly to small business owners. Since SBA does not make direct loans to businesses, banks and other financial institutions must be designated as approved or prefered lenders by the SBA.
Can I use an SBA loan for debt refinancing?
Yes, an SBA 7A can be used for debt refinancing.
What are the borrowing limits of an SBA loan?
SBA Loan limits are based on the loan amount and program type. For example, the maximum amount for 7(a) loans is $5 million, SBA Express loans is $350,000 and SBA Export Express loans is $500,000.
How long does it take to get an SBA loan?
Most SBA loans require 30 to 90 days from application to funding, depending on the complexity of the transaction and the documentation provided.
Serving businesses nationwide with local expertise in Nevada, California, and Pacific Territories. Kovos Capital — Your Partner in Growth.
Proven Service, Tailored Funding Solutions
Competitive & Flexible Terms
We shop multiple preferred lenders so you get highly competitive rates, fixed payments, and flexible terms that actually fit your business — not just what one bank offers. Our goal is to deliver better value and more options than traditional institutions.
Relationship-Based Service
At Kovos Capital, you work with real people who take the time to understand your business goals. We provide personalized guidance through the entire process — from pre-qualification to funding — with high-touch support and transparent communication every step of the way.
We Welcome Referrals
If you’re a CPA, business consultant, equipment dealer, or industry professional, we’d love to partner with you. Our referral program is mutually beneficial with strong support and competitive payouts. Contact us to learn how we can work together to help more businesses succeed.
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