Government Business Loans
Access SBA 7(a), SBA 504, and other government-backed financing programs designed to help small businesses grow with favorable terms.
SBA Loan Programs
SpotOn Financial provides access to SBA (Small Business Administration) loan products that offer favorable terms for qualifying small businesses. These government-backed loans often feature lower down payments, longer repayment terms, and competitive interest rates.
To qualify, your business must be a legitimate small business under SBA rules. SpotOn Financial acts as your broker, guiding you through the process and connecting you with SBA-approved lenders.
SBA Loan Types We Offer
SBA 7(a) Loans
The most common SBA loan program, offering general purpose small business financing for working capital, equipment, real estate, and more.
SBA 504 Loans
Designed for large fixed assets such as real estate or heavy equipment. Offers long-term, fixed-rate financing.
SBA Real Estate Loans
Real estate financing through the SBA 7(a) program, specifically for purchasing commercial property.
What You Can Use the Funds For
SBA loans can be used for a variety of business purposes, including:
- Real estate purchases
- Working capital
- Equipment purchases
- Business expansion
- Refinancing existing debt
- Other business purposes
The Application Process
SpotOn Financial guides you through every step of the SBA loan process.
Submit Intake Form
Start by filling out our short application with basic information about your business and funding needs.
Qualification Review
We review your information to determine if you qualify for SBA financing or other loan options.
Review Your Options
Meet with us virtually to review your financing options-we serve business owners across all 50 states.
Fee Agreement
We provide our fee agreement so you know exactly what costs to expect.
Documentation & Due Diligence
We gather all required documentation and complete the due diligence process.
Funding
Once approved, the funds are issued and you're ready to grow your business.
Who Is Eligible?
To qualify for SBA loans through SpotOn Financial, your business needs to meet certain criteria:
- Must be a legitimate small business under SBA size standards
- Must operate for profit in the United States
- Owner must have invested equity (time or money) in the business
- Must have exhausted other financing options
Explore SBA Loan Options
Let us help you find the right government loan program for your business. Contact us for a consultation.