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Business & Working Capital Loans

Business Loans

Working capital, inventory, hiring and growth financing for established businesses. From $25,000 to $5 million, with terms up to 10 years on working capital.

Loan amount$5MUp to, from $25K
Term10 yrsUp to, on working capital
Funding48 hrsAfter closing, on Express loans
PrepaymentNoneOn Express loans
Eligible uses

Capital for running and growing the business

We submit your loan to an SBA lender that fits your deal, so most loans carry longer terms and lower payments than short-term online financing.

Working capital

Cover operating costs and keep cash flow steady.

Inventory

Stock up ahead of demand or take on larger orders.

Seasonal cash flow

Bridge off-season gaps and prepare for your busy season.

Hiring and marketing

Add staff, launch a product or fund a marketing push.

Business acquisition

Buy a business or buy out a partner with as little as 10% down.

Debt refinance

Replace expensive short-term debt with a longer-term loan.

Program terms

Business loan terms

Terms available through our SBA lending partner. Final terms depend on your business's cash flow, credit and the use of funds.

Express loans
$25,000 – $150,000; up to 10 years; no prepayment penalty
Mid-size loans
Up to $350,000
Larger loans
Up to $5,000,000 through SBA 7(a)
Acquisitions
As little as 10% down; terms up to 25 years when real estate is included
Rate
Variable, with maximum rates capped by the SBA
Funding
Pre-qualify online in minutes; Express funds within 48 hours of closing
Underwriting
Historical cash flow, credit history, industry and management experience
How it works

Fast, simple and SBA-backed

Pre-qualify

Tell us what you need and what it's for. Pre-qualification takes minutes.

Send financials

Share tax returns, financial statements and bank statements for underwriting.

Close and fund

Once approved, the loan closes and funds. Express loans fund within 48 hours of closing.

What you'll need

Documents checklist

  • Business tax returns for the last 2 to 3 years
  • Personal tax returns for each 20%+ owner
  • Year-to-date profit and loss and balance sheet
  • Recent business bank statements
  • Business debt schedule
  • Personal financial statement for each owner
Find your fit

Matching the loan to the amount

The program depends on how much you need and where your business operates.

Amount needed → best-fit program
$25K – $150KSBA Express Up to $350KMid-size business loan Up to $5MSBA 7(a) Up to $10M, rural areasUSDA B&I Real estate and equipmentSBA 504

We'll recommend the right program after a short conversation about your business.

Common questions

Business loan FAQ

How fast can I get funded?

Pre-qualification takes minutes, and Express loans fund within 48 hours of closing.

Is there a prepayment penalty?

Not on Express loans. Longer-term SBA loans can carry an SBA prepayment fee in the first 3 years.

Do I need collateral?

Lenders take available business assets as collateral. Not having real estate does not rule you out.

Can I get a revolving line instead?

Yes. See lines of credit for asset-based and SBA lines backed by receivables and inventory.

What industries qualify?

Hundreds, including restaurants, car washes, assisted living, gas stations, childcare, hotels and self-storage.

Need capital to grow?

Tell us what you need. We'll match you with the right business loan.

Get Started

Terms shown are available through Capital Lending Group's SBA lending partner as of October 2026 and change without notice. Loans are subject to SBA eligibility rules, lender credit approval and fees. Capital Lending Group, LLC is a loan broker, not the lender, and is not affiliated with the U.S. Small Business Administration.