SBA Financing
SBA loans are part of the government insured program run by the Small Business Administration.
Find the right SBA Preferred Lender for your business, quickly & easily.
Experts in SBA Loan Options
SBA loans are an excellent option for small businesses seeking reliable government-backed financing. With various programs available, such as the popular 7(a) for general needs or 504 for fixed asset purchases, you can find the right fit for your specific situation. These loans often come with lower rates and longer terms, making them a smart choice for businesses looking to grow.
Range: $50k-$5M, with equity requirements of 5%-25%
Pricing: Up to Prime, plus 2%-3.5% floating
SBA 7(a) loans are versatile, offering up to $5 million for working capital, equipment purchases, or real estate. They’re ideal for businesses looking for general funding to expand or manage operations.
SBA 504 loans focus on long-term, fixed-rate financing for major assets like commercial real estate or heavy equipment, offering up to $5.5 million for fixed asset projects that drive growth and job creation.
- SBA Microloans are small, short-term loans of up to $50,000 designed to help small businesses and certain nonprofits with startup costs, expansion, or working capital needs.
- CAPLines: Is an umbrella program for short-term and cyclical working capital needs, with several variations including Seasonal, Contract, and Working
Debt & Equity Financing
Haro empowers business owners to manage capitalization with expert debt and equity advisory, from short-term bridge loans to exit strategies.
Extensive Capital Network
Stop relying on connections—focus on your expertise. Our tech-enabled RFP process connects you with the right lenders and investors.
Fast & Effective Matching
Haro connects borrowers and sellers with capital sources in real time, ensuring fast funding with favorable terms.
SBA Frequently Asked Questions
SBA loans come in a few primary forms: the popular 7(a) loan, which can be used for working capital, real estate, or equipment; the 504 loan for purchasing major fixed assets; and Microloans for small, short-term funding up to $50,000. Each loan type serves different business needs, so identifying your specific goals will help narrow down the best program for you.
SBA loans are partially guaranteed by the government, which helps reduce the risk for lenders and can make these loans more accessible and affordable for qualified businesses. This means that if a borrower defaults, the SBA covers a portion of the lender’s loss. This guarantee also allows lenders to offer more favorable terms and lower down payment requirements.
SBA loan eligibility often depends on business size, financial health, and creditworthiness. Generally, you must operate as a for-profit business, demonstrate a need for the funds, and meet specific size standards depending on your industry. We can help assess your qualifications in a brief consultation to ensure you’re matched with the best-fit financing.
The SBA loan process can take anywhere from a few weeks to a few months, depending on your lender and the complexity of your application. At Haro, we aim to streamline the process by connecting you with experienced lenders who understand the SBA landscape, potentially speeding up your funding timeline.