SBA loans are government-backed loans combining the best of traditional bank financing — long repayment terms, competitive rates, substantial loan amounts — with broader qualification flexibility than purely conventional loans.
Direct Fast Funding partners with SBA-approved lenders to deliver SBA 7(a) and SBA 504 loans for businesses meeting program qualifications.
SBA 7(a) — Most Versatile
Versatile loan program used for nearly any business purpose: working capital, equipment, real estate, acquisition, refinancing. Up to $5 million.
SBA 504 — Real Estate
Specifically funds fixed assets — primarily commercial real estate purchases and major equipment with long useful life.
SBA Trade-offSBA loans typically offer the most favorable rates — but the application takes 60-120 days. Choose SBA when time isn't critical.
Qualifications
- Time in business: 24+ months
- Personal credit: 680+ minimum
- 2-3 years tax returns required
- Financial statements
- Personal guarantee from 20%+ owners
