SBA Loan Programs

There are a number of loans available through the Small Business Association loans. These fall under several categories:

General Small Business Loans

Microloan Program

Real Estate and Equipment Loans CDC/504

Disaster Loans

Loan Programs


The General Small Business Loans: 7(a) is a program where the SBA most commonly lends funds. This program offers financial assistance for business with unique requirements. The Microloan Program is one that the SBA offers small, short-term loans to companies that are small and have unique problems such as those of non-profits. An example is a child care non-profit organization that needs funds for their child care program needs. The Real Estate and Equipment Loan CDC/504 loan offers financing for major fixed assets such as costly equipment or real estate purchases. The Disaster Loan from the SBA typically has low interest rates for loans that give disaster relief for businesses of any size from private to non-profit organizations, private homeowners, and tenants. These SBC loans are used to stave off disaster, do qualified repairs, and replacement funding.

There are also SBC Loan Programs for starting up a small business or expanding a small business. For those who need seed money loans these are of consideration. Expansions and disaster assistance also will fall under this category. These SBC loan programs will be very helpful for those businesses that are ready to take the next step for increasing their presence and size in their niche markets.


The easiest way to learn about Small Business Loans is to seek out the SBA learning tool. There is a detailed and robust learning tool on the website that will take the entrepreneur through the steps necessary to successfully apply for seed money, after taking the proper steps to organize and detail a strong and well thought out business plan. There are no guarantees of success, just good thoughtful preparation to increase the probability of desired outcomes.

Once these steps are taken, learning more about how to contact the right lending resources is an important consideration. The borrowers are there with funds for many facets of a business need in all types of categories. The SBA borrowers link will take the loan seeker through several steps to help determine which type of loan program is the most suitable for his or her business. These are loans and not grants. There really are not very many granting programs available, much to the dismay of many SBA funding seekers. Loans are the most prominent form of funding that the SBA can connect entrepreneurs with.

The time invested in learning about the various paths to take is worth every moment spent. The more a borrower knows ahead of taking the steps to borrow, the more informed business decisions that he or she will be able to make. It is all about knowledge and the power it gives to discover the proper methods for setting up a business. Becoming a successful entrepreneur is not a mystery or an accident. It comes from preparation and execution of the best informed plan. With the experience and wisdom from those who have gone before, the chances of reaching for a successful outcome in business is increased. It is also important to remember that, in the case that the business does not thrive, loans still need to be repaid. In order to avoid this pitfall, a well researched, sober approach to the business planning stage of the process is highly recommended.