The U.S. Small Business Administration (SBA) offers some of the most powerful funding tools available to small and midsize companies. Through its 7(a) and 504 loan programs, business owners can access long-term, low-interest financing backed by the federal government.
Access up to $5.5M in low-interest financing for expansion, real estate, equipment, or working capital. Swift Line Capital navigates the SBA process for you.
Maximum Loan Amount
Loan Terms Available
Down Payment As Low As
SBA loans are designed to help businesses that may not qualify for conventional bank financing. Because a portion of the loan is guaranteed by the U.S. government, lenders can offer better rates and longer repayment terms with reduced risk.
Choose the program that fits your business needs—whether it’s flexible working capital or fixed-asset financing for long-term investments.
The most flexible and widely used option for nearly any business purpose
Long-term fixed-asset financing for real estate and major equipment
Typical Structure: 50% private lender + 40% CDC/SBA + 10% down payment
See how SBA loans stack up against traditional bank financing
With SBA loans, business owners often secure lower monthly payments and more forgiving qualification standards compared to bank-only options.
Most businesses can qualify for SBA financing with the right documentation and planning
To qualify for SBA financing, businesses generally need to meet these criteria
Note: Certain industries are restricted under SBA guidelines, but our advisors can help identify alternative funding programs if needed.
Be prepared with these essential documents for your application
We help: Our team assists in preparing and formatting all documentation to meet SBA and lender standards.
See how one logistics company expanded with a 504 loan
A growing logistics company wanted to purchase a 25,000-square-foot warehouse for $3.5 million to expand operations and reduce rental costs.
With a fixed rate and 25-year term, their monthly payment remained affordable at approximately $14,500—significantly less than their previous $18,000 monthly lease. This allowed them to expand operations by 40% without draining cash reserves, while building valuable real estate equity.
Get answers to common questions about business lines of credit
Depending on documentation and lender workload, most SBA loans close within 30–60 days. Swift Line Capital streamlines the process to minimize delays.
Yes. The 7(a) program is commonly used for acquisitions, provided financial statements show sufficient cash flow to support the debt.
Collateral is typically required but may vary based on loan amount and purpose. Unsecured options are limited but possible for smaller loans.
We work with lenders who evaluate your full business profile, not just credit score. Strong cash flow or assets can offset credit challenges. Generally, a score of 640+ is preferred.
Yes. The SBA charges a guarantee fee (often financed into the loan), but Swift Line Capital ensures all costs are disclosed clearly upfront with no hidden surprises.
The 7(a) is more flexible and can be used for various purposes including working capital, while the 504 is specifically designed for fixed assets like real estate and equipment with longer terms and fixed rates.
Swift Line Capital’s advisory team will guide you through every requirement, assemble your lender-ready package, and manage communication with SBA-approved banks and CDC partners.
803-653-6293
support@swiftlinecapital.com
