Government-backed loans with the lowest rates and longest terms available to small businesses.
Funding Amount
$50K – $5M
Term Length
5 – 25 years
Funding Speed
8 – 12 Weeks
Min. Credit
680+ FICO
SBA loans are partially guaranteed by the U.S. Small Business Administration, allowing lenders to offer larger amounts, longer terms, and lower rates than most conventional small business loans. New Tide Funding works with SBA-approved lenders to help you navigate the application and find the right SBA program — whether that's an SBA 7(a) loan for general business purposes, an SBA 504 for real estate and equipment, or an SBA Express for faster approvals up to $500K.
Different programs for different needs — we'll help you find the right fit.
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The most flexible option — working capital, equipment, real estate, or acquisitions.
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Real estate and major equipment purchases — lowest fixed rates, longest terms.
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Smaller needs with a faster SBA decision — ideal when timing matters most.
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Startups and very small businesses needing a smaller first loan.
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Commercial Real Estate
Purchase or refinance owner-occupied commercial property.
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Business Acquisition
Finance the purchase of an existing business or franchise.
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Major Equipment
Fund large equipment purchases with long-term, low-rate financing.
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Debt Refinancing
Consolidate high-rate debt into one low-rate SBA loan.
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Business Expansion
Fund significant growth initiatives with low monthly payments.
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Working Capital
SBA 7(a) loans can fund long-term working capital needs.
Basic requirements — most businesses qualify in minutes.
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Time in Business
2+ Years
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Annual Revenue
$250K+
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Credit Score
680+ FICO
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Documents
Tax Returns + More
No credit impact · Takes 2 minutes
SBA Express loans can be approved in days. Standard SBA 7(a) loans typically take 8–12 weeks from application to funding. The process is more involved than alternative lending, but the rates and terms are significantly better.
SBA loans typically require a 10–30% down payment depending on the loan type and purpose. Real estate and acquisition loans often require 10–20% equity injection.
SBA 7(a) is the most flexible — use it for working capital, equipment, real estate, or acquisition. SBA 504 is specifically for fixed assets (real estate and equipment) and offers very long terms and fixed rates.
Yes — SBA loans require a personal guarantee from anyone owning 20%+ of the business. The SBA guarantee is for the lender, not the borrower.
We can help you qualify faster or recommend an alternative product that fits today — like a term loan or revenue-based financing — while we work together on improving your SBA eligibility.