🏛️ SBA Loans

SBA Loans
Lowest Rates. Up to $5M.

SBA loans offer the lowest rates and longest terms available — but most business owners don't know where to start. Caply matches you with the right SBA lender and guides you through every step.

Check My SBA Options — No Credit Impact
SBA 7(a) & 504 Up to $5M No Credit Impact 50+ Lenders

Why Small Businesses Use Caply to Navigate SBA Loans

The lowest rates available — we help you qualify.

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Lowest interest rates

Government-backed guarantees mean better rates for you.

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Up to $5M available

Largest loan amounts in small business lending.

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Real estate & buildouts

Finance commercial property, construction & renovation.

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Debt refinancing

Roll high-rate debt into a single low-rate SBA loan.

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Business acquisition

Buy an existing business with SBA 7(a) financing.

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Expert guidance

We handle the complexity — you focus on your business.

Funding Products Available to You

One application. Multiple competing offers. You choose what fits.

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Equipment Financing

$25k–$2M | 2–5 days

Own the tools that win you bigger contracts. Finance trucks, heavy equipment, and specialty tools.

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Working Capital Loan

$10k–$500k | 24 hrs

Cover payroll and materials while you wait on receivables.

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Business Line of Credit

$10k–$250k | Revolving

Draw funds when a job starts. Pay back when the client pays you.

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Invoice Factoring

Up to 90% of invoice | Same day

Turn unpaid invoices into immediate cash. Stop waiting on slow-paying clients.

See My Options — No Credit Impact

What Our Clients Say

★★★★★

"I thought SBA loans were only for big companies. Caply walked me through the whole process and got me approved for $450K at a rate my bank would never have offered. Game changer."

— Sandra L., Retail Store Owner, Atlanta
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"We used an SBA 7(a) loan to buy out my business partner. Caply made the process simple and found us a lender who understood business acquisitions. Couldn't have done it alone."

— James W., Medical Practice Owner, Houston

Caply vs. The Bank

The Old Way (Bank)
The Caply Way
Invoice-to-payment gaps kill cash flow
✅ Bridge financing available same day
Banks don't understand project-based revenue
✅ Lenders built for your business model
Equipment loans take weeks
✅ Funded in 2–5 days
Miss jobs waiting for capital
✅ Say yes to every opportunity

Don't Let Cash Flow Stop Your Next Big Job.

One application. No credit impact. Funded in as little as 24 hours.

Apply Now — Takes 5 Minutes Talk to a Funding Advisor

Frequently Asked Questions

Everything you need to know before you apply.

How long does an SBA loan take?
SBA loans typically take 30–90 days from application to funding. Caply guides you through every step to minimize delays.
What credit score do I need for an SBA loan?
Most SBA lenders look for 650+. Caply helps you identify if you qualify before you apply.
What is the maximum SBA loan amount?
The SBA 7(a) program goes up to $5 million. SBA 504 loans can reach $5.5 million or more in some cases.
Does applying affect my credit score?
Caply's initial review uses a soft pull — no impact. A hard pull only happens once you move forward with a specific lender.
What can SBA loans be used for?
Working capital, equipment, real estate, business acquisition, refinancing debt, or expansion. Most flexible use of funds at the lowest rates.
Why use Caply instead of going to a bank?
Banks only offer their own products. Caply shops 50+ lenders simultaneously to find you the best rate and highest approval odds — one application.

Still have questions? Start your free application — no credit impact, decision in minutes.