Eligibility

Do you qualify for an SBA loan?

Most established, for-profit US small businesses qualify for SBA or another financing program. Here's the general picture — the fastest way to know for sure is to get your estimate.

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General SBA requirements

A for-profit business operating in the United States
Meets SBA small-business size standards for your industry
Reasonable owner equity invested in the business
Demonstrated ability to repay from business cash flow
Owners of 20%+ provide a personal guarantee
Not an ineligible business type (e.g., lending, speculation)

Find out in 2 minutes

Answer a few soft questions and we'll match you to the right financing — SBA, term loan, line of credit, or another option — with an indicative range. No fee, no obligation, and it won't affect your credit.

Check my eligibility →

Soft check only · no credit impact

Common eligibility questions

What credit score do I need for an SBA loan?

There is no fixed minimum credit score guaranteed across all SBA lenders. Most lenders review the owner's personal credit as part of underwriting. Your specialist confirms the real picture based on your profile.

How long do I need to have been in business?

SBA 7(a) and 504 generally work best for established businesses with a track record of revenue. Startups may qualify for SBA Microloans or startup-focused term loans. Your specialist routes you to the right program.

Will checking my eligibility hurt my credit?

No. Getting your initial estimate uses a soft check only — it won't affect your credit score.

What if I don't qualify for SBA?

We match across the full financing menu — term loans, lines of credit, equipment financing, factoring, and more. If SBA isn't the right fit, another option likely is.

See what you qualify for today.

One application, every option compared. No fee, no obligation, no credit impact.

Check my eligibility →Talk to an advisor