FundWave Loans
Government-Backed

SBA Loans

Leverage the power of government-backed lending. Low interest rates, long repayment terms up to 25 years, and up to $5M in funding for qualified businesses.

Apply NowCall (516) 406-1476

Up to $5M

Loan Amount

Up to 25 yrs

Loan Terms

Prime + 2.75%

Starting Rate

680+

Min. Credit Score

What Is an SBA Loan?

SBA loans are business loans partially guaranteed by the U.S. Small Business Administration. Because the government backs a portion of the loan, lenders can offer more favorable terms — lower interest rates, longer repayment periods, and higher loan amounts than conventional business loans.

FundWave Loans works with our network of SBA-approved lenders to help qualifying businesses navigate the application process and secure the best terms possible. We handle the complexity so you can focus on your business.

Key Benefits

Below-market interest rates
Terms up to 10 years for working capital, 25 years for real estate
Loan amounts from $50,000 to $5 million
Can be used for nearly any business purpose
Lower down payments than conventional loans
No balloon payments

Eligibility Requirements

Time in Business2+ years preferred
Annual Revenue$250,000+
Credit Score680+ recommended
Business TypeFor-profit, US-based
CollateralMay be required
Personal GuaranteeRequired for 20%+ owners

SBA Loan Programs We Offer

  • SBA 7(a) — Most flexible, up to $5M
  • SBA 504 — Equipment & real estate up to $5.5M
  • SBA Microloan — Up to $50K for startups
  • SBA Express — Faster decisions up to $500K

See If You Qualify for an SBA Loan

Our experts will review your situation and find the best SBA program for your business.

Check Eligibility