Advancery Business Funding
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SBA Preferred Lending Support

Government-backed funding for businesses ready to grow

SBA loans pair competitive rates with long repayment terms, giving your business room to invest in what’s next — without straining cash flow. Advancery guides you through every step, from eligibility to funding.

Check Your Eligibility arrow_forward Talk to a Funding Specialist
  • check_circleSBA Preferred Lending Support
  • check_circleCompetitive Rates
  • check_circleExperienced Funding Guidance
Business owner meeting with an Advancery funding advisor
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SBA Preferred Support
Guided, one advisor start to finish

SBA Loans

What is an SBA loan?

An SBA loan is a term loan partially guaranteed by the U.S. Small Business Administration. Because the government shares the risk with the lender, businesses typically gain access to lower rates, longer repayment terms, and larger loan amounts than many conventional options allow.

It’s designed for established, revenue-generating businesses looking to expand, purchase equipment or real estate, refinance existing debt, or strengthen working capital — without giving up equity.

  • checkLower borrowing costs than most alternative financing
  • checkRepayment terms structured around your cash flow
  • checkOne advisor guiding you from application to funding
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Good to know: SBA loans involve more documentation and a longer approval timeline than short-term products — Advancery’s specialists prepare your file up front to keep things moving.

Before you apply

Qualification snapshot

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In Business 1+ Year

An established operating history helps demonstrate stability to SBA lenders.

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Minimum Annual Revenue

Consistent revenue shows your business can support loan payments.

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Credit Profile Guidance

No perfect score required — we’ll walk you through what qualifies.

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U.S.-Based Business

Must operate for profit within the United States or its territories.

The advantages

Why choose SBA financing?

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Lower Borrowing Costs

The government guarantee lets lenders offer more competitive rates than many alternative products.

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Long Repayment Terms

Terms stretch well beyond typical short-term loans, easing monthly cash flow pressure.

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Government-Backed Support

A partial SBA guarantee reduces lender risk, opening doors that conventional loans may not.

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Higher Borrowing Limits

Fund larger investments — equipment, property, or expansion — in a single facility.

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Business Growth Flexibility

Use proceeds across working capital, real estate, equipment, or debt refinancing.

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No Equity Given Up

Access growth capital while keeping full ownership and control of your business.

Self-check

Is SBA financing right for you?

thumb_up Good fit if…
  • check_circleYou have at least a year of operating history and steady revenue
  • check_circleYou’re planning a larger investment — equipment, real estate, or expansion
  • check_circleYou want the lowest possible rate and can wait through a fuller review
  • check_circleYou can provide standard financial documentation
schedule May not be ideal if…
  • remove_circleYou need funding within a day or two
  • remove_circleYour business is pre-revenue or newly formed
  • remove_circleYou’d rather avoid gathering financial documentation
  • remove_circleYou only need a small, short-term amount

Put it to work

What SBA loans can fund

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Working Capital

Cover day-to-day operating expenses and cash flow gaps.

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Equipment

Purchase or upgrade the machinery your business runs on.

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Inventory

Stock up ahead of demand without straining cash on hand.

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Expansion

Open new locations or grow into new markets.

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Hiring

Bring on the team you need to support growth.

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Commercial Real Estate

Purchase, build out, or renovate your business space.

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Marketing

Invest in campaigns that bring in new customers.

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Debt Consolidation

Roll higher-cost debt into one predictable payment.

How it works

How the process works

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    Apply

    Share basic business details in one short application.

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    Initial Review

    A specialist reviews your business and outlines your options.

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    Documentation

    We help you assemble the financials your lender needs.

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    Approval

    Receive terms once underwriting confirms your offer.

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    Funding

    Sign your documents and funds are disbursed.

Why Advancery

Why businesses choose Advancery

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Technology-Driven Process

A streamlined application that keeps paperwork moving instead of piling up.

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Responsive Specialists

Real people answering real questions, every step of the way.

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Transparent Communication

Clear terms and honest timelines — no surprises in the fine print.

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Guidance Throughout

From first call to final funding, you’ll know exactly what’s next.

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Long-Term Relationships

We’re here for the next round of funding, not just the first.

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Personalized Recommendations

Guidance matched to your business, not a one-size-fits-all script.

Things you’d like to know

Frequently asked questions

What is an SBA loan?expand_more

An SBA loan is a term loan partially guaranteed by the U.S. Small Business Administration. The guarantee reduces the lender’s risk, which often translates into lower rates and longer repayment terms for your business.

Who qualifies for an SBA loan?expand_more

Generally, established U.S.-based businesses with at least a year of operating history and consistent revenue. Credit history matters, but it’s one factor among several — our specialists will review your specific situation.

How much can I borrow?expand_more

Loan amounts are based on your revenue, intended use of funds, and overall financial profile. Larger amounts are available for qualifying businesses with strong documentation and a clear use of proceeds.

How long does approval take?expand_more

SBA loans involve a more thorough underwriting process than short-term products, so approval typically takes longer. Having your documentation ready up front is the biggest factor in keeping things moving quickly.

What documents are required?expand_more

Typically business and personal financial statements, tax returns, a business overview, and details on how you plan to use the funds. Your specialist will provide a checklist tailored to your loan type.

Can startups qualify?expand_more

SBA loans are best suited to businesses with an established operating and revenue history. Newer or pre-revenue businesses may be better served by one of Advancery’s other financing options.

Can I use the funds for equipment?expand_more

Yes. Equipment purchases are one of the most common uses of SBA financing, alongside working capital, real estate, expansion, and debt consolidation.

Will applying affect my credit?expand_more

Initial conversations and pre-qualification are designed to have minimal impact. Your specialist will always let you know before any step that involves a credit check.

How does Advancery help?expand_more

You’re paired with a dedicated funding specialist who helps prepare your documentation, explains your options in plain language, and stays with you from application through funding.

Ready to explore SBA financing?

Talk to a funding specialist and see what your business qualifies for — no obligation, no pressure.

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