SBA Loans
Helping Small Businesses Nationwide
About SBA Loans
At Caplli, we understand that securing financing for your small business can be challenging — especially when traditional loans come with strict requirements and limited flexibility. That’s why we specialize in helping entrepreneurs and business owners across the United States access SBA 7(a) loans, SBA 504 loans, SBA Express loans, and other SBA financing options. Based in Dallas, TX, we provide SBA loan application assistance that takes the stress out of the process, guiding you from initial consultation to funding.
Our goal is simple: make SBA lending more accessible. So regardless of whether you’re starting a new business, purchasing equipment, expanding operations, or refinancing existing debt, we help match you with the right SBA program and structure your application for success.
What Is an SBA Loan?
An SBA (Small Business Administration) loan is a government-backed financing option designed to make it easier for small businesses to access capital. While the SBA doesn’t lend directly, it guarantees a portion of the loan, which reduces risk for lenders and opens the door to better terms for borrowers.
SBA loans can be used for:
- Launching a new business
- Expanding an existing business
- Purchasing real estate
- Securing working capital
- Buying inventory or equipment
- Refinancing higher-interest debt
- Managing seasonal cash flow
- Acquiring another business
Because they offer competitive rates, longer repayment terms, and greater flexibility than many traditional loans, SBA programs are often considered one of the best financing tools available to small businesses.
SBA Loan Programs We Offer
The most popular SBA loan program, ideal for general business financing. These loans can be used for working capital, business acquisitions, real estate, and more. Repayment terms can extend up to 10 years for non-real estate uses and 25 years for real estate.
SBA 504 Loans
Perfect for major fixed asset purchases like commercial property or large equipment. These loans combine bank financing with SBA-backed funding to provide low down payments and long-term, fixed interest rates.
SBA Express Loans
For businesses that need funding fast, SBA Express loans offer a streamlined process with quicker approval times compared to standard SBA loans. Borrowers can access up to $500,000, with flexible use of funds for working capital, equipment, inventory, or expansion. Many approvals happen within 36 hours, making this program an excellent option for time-sensitive opportunities.
Other SBA Options
We also assist with specialized SBA programs for exporters, disaster recovery, and community development. Whatever your business goal, we help you identify the right product for your needs.
- Longer Repayment Terms: Up to 25 years for real estate and 10 years for most other uses.
- Lower Down Payments: Often less than traditional financing requires.
- Flexible Use of Funds: From purchasing assets to consolidating debt.
- Government Guarantee: Improves your approval odds with participating lenders.
- Competitive Interest Rates: More affordable than many alternative financing options.
Challenges Borrowers Face – and How We Help
Borrowers often run into these issues:
- Strict eligibility criteria
- Large down payments
- Complex documentation requirements
- Long approval timelines
- Limited lender options
At Caplli, we remove these barriers by:
- Connecting you with the right SBA lender from our nationwide network
- Ensuring your application package is complete and correct
- Acting as your advocate during lender negotiations
- Structuring financing to minimize costs and secure the best rates
- Guiding you through each step for a smoother, faster approval process
Who Qualifies for an SBA Loan?
- Operate as a for-profit business
- Meet SBA size standards for their industry
- Be located and operate in the U.S. or its territories
- Demonstrate repayment ability through financial history or projections
- Use funds for eligible business purposes
- Have a solid credit history (typically 650+ for many lenders)
Even if you’ve been turned down before, our SBA loan application assistance can help identify the right lender and structure your file for a stronger chance of approval.
Industries We Serve
- Healthcare and dental practices
- Retail and e-commerce stores
- Restaurants and hospitality businesses
- Construction companies and real estate professionals
- Transportation and logistics firms
- Professional and technology service providers
- Educational institutions and childcare facilities
- Manufacturing and distribution companies
What Can Disqualify You from an SBA Loan?
- Poor credit or history of defaults
- Ineligible business type (e.g., gambling, speculative investments)
- Insufficient cash flow or repayment ability
- Excessive existing debt
- Lack of required collateral (for some loans)
- Criminal record involving financial crimes
- Unpaid federal taxes or loans
If you’re unsure whether you qualify, we can review your profile and recommend the best course of action.
Frequently Asked Questions
Depending on the program and lender, approval can take anywhere from 2–8 weeks. SBA Express loans, however, can receive responses in as little as 36 hours.
No. While good credit helps, we focus on your business’s overall performance and match you to lenders who are open to your profile.
The 7(a) program is highly flexible, the 504 is targeted at major assets like real estate or equipment, and Express loans are designed for smaller amounts with faster approvals.
Yes, though startups may need to provide stronger business plans, projections, and collateral.
Some programs have guarantee or origination fees, but we aim to connect you with lenders offering the most cost-effective options.
Your Partner for SBA Loan Success
Securing an SBA loan doesn’t have to be stressful or overwhelming. At Caplli, we combine nationwide lender connections, deep SBA program expertise, and a performance-based approach that looks beyond just your credit score. So whether you’re pursuing SBA 7(a) loans, SBA 504 financing, or a fast-track SBA Express loan, we’re here to simplify the process and help you get funded.
Our Dallas-based team also works with clients all across the United States, offering personalized guidance and hands-on application support. Contact us today to schedule a consultation or start your application, and let’s get your business the funding it needs to thrive.