Government-backed loans with the lowest rates available
SBA loans are the gold standard of small business financing. Backed by the U.S. Small Business Administration, these loans offer the longest terms and lowest interest rates available to qualifying businesses. Bay Street Lending navigates the complex SBA application process for you, matching your business with the right SBA program — whether it’s a 7(a) loan for general purposes, a 504 loan for real estate and equipment, or an SBA Express loan for faster funding. Our team has closed hundreds of SBA deals and knows exactly what lenders look for.
SBA loans offer rates starting as low as Prime + 2.75%, significantly lower than conventional business loans or lines of credit.
Terms up to 10 years for working capital and 25 years for real estate, keeping your monthly payments manageable.
Borrow up to $5M with an SBA 7(a) loan. Bay Street handles the paperwork and lender matching so you can focus on your business.
Business expansion, Commercial real estate purchase, Equipment acquisition, Refinance existing debt, and Franchise acquisition.
Don’t meet every requirement? Apply anyway — we evaluate the full picture.
We review your business financials and credit profile to determine which SBA programs you qualify for.
Bay Street prepares your full SBA loan package, including business plan, financials, and all required documentation.
We submit to the best-fit SBA lender, manage the underwriting process, and guide you through closing.
SBA loans typically take 60–90 days from completed application to funding. SBA Express loans can be faster at 30–45 days. Bay Street expedites the process by pre-packaging your application.
The main programs are SBA 7(a) for general business purposes up to $5M, SBA 504 for real estate and equipment, and SBA Express for faster processing up to $500K. We’ll match you with the right program.
The SBA requires lenders to collateralize loans to the extent possible, but loans under $50K generally don’t require collateral. For larger loans, business assets and sometimes personal assets may be pledged.
Most SBA lenders require a minimum credit score of 680. However, a strong business performance and revenue history can sometimes offset a lower score. We’ll assess your full profile.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.