The lowest rates and longest terms in small business lending — with a team that assembles the package, speaks fluent SBA, and matches you to lenders who actually approve deals like yours.
Three questions to see which program fits.
Secure & confidential. No obligation.
At a Glance
Government-guaranteed loans through partner banks — the gold standard when you qualify and have a little runway.
What It Is
SBA loans are made by banks but partially guaranteed by the U.S. Small Business Administration. That guarantee lets lenders offer dramatically lower rates and longer terms than conventional loans — which is why SBA is the most sought-after financing in America, and the most notorious for paperwork.
That’s where we earn our fee. Your BTEC specialist assembles the full package, pre-underwrites it against SBA standards, and places it with lenders whose credit appetite matches your profile — so you’re not burning months on a bank that was never going to say yes.
The Programs
Your specialist will map your goal to the program built for it.
Up to $5M for working capital, expansion, equipment, business acquisition or debt refinance. Terms to 10 years — 25 when real estate is involved. The most flexible program in the lineup.
Most popularBuy your building instead of renting it. Fixed rates, 25-year terms and as little as 10% down on owner-occupied commercial real estate and heavy equipment.
10% downUp to $500K with a streamlined process and an SBA response inside 36 hours. Ideal when you want SBA economics without the full-package timeline.
36-hr SBA responseSimple Process
The average owner who goes it alone spends 60–90 days and often gets declined on a technicality. Here’s the guided version.
Apply below and we’ll pre-screen you against SBA standards — size, use of funds, credit and cash flow — before anyone commits time to paperwork.
Day 1We build the full SBA package with you: financials, projections, business plan support and every form, formatted the way underwriters want it.
Week 1–2Your file goes to SBA lenders whose credit box actually fits your industry, size and profile — not a scattershot of hopeful submissions.
Targeted placementWe quarterback underwriting Q&A through to commitment letter and closing. Typical funding: 30–60 days; Express can be materially faster.
30–60 days
Do You Qualify?
SBA lending rewards established, profitable businesses with reasonable credit. If that’s you, no other product comes close on cost. If you’re not quite there, we’ll tell you honestly — and bridge you with faster capital while you build toward SBA terms.
The typical approved profile looks like this:
Questions, Answered
With a complete, well-assembled package: typically 30–60 days from application to funding, and SBA Express can run faster. The horror stories you’ve heard usually involve incomplete packages bouncing between owner and bank for months — exactly the loop we exist to eliminate.
Almost anything legitimate: working capital, equipment, inventory, expansion, buying a business or franchise, partner buyouts, refinancing expensive debt, and real estate. A few uses are excluded (speculation, lending, passive investment) — we’ll confirm yours upfront.
For 7(a), typically 10% on acquisitions and real estate; pure working capital deals may need none. The 504 program requires just 10% down on commercial property — roughly half what conventional lenders ask.
Not remotely. Every SBA lender has its own credit appetite — industries they love, deal sizes they prefer. A decline at one bank says little about the next. Placement is precisely the game we play well.
For startups and acquisitions, yes; for established businesses expanding, often just solid financials and a use-of-funds narrative. Either way, we help you build whatever the lender needs — that’s included.
Common play: we fund you with working capital now, then refinance into the SBA loan when it closes — so the opportunity doesn’t pass while the paperwork clears. Ask your specialist to price the bridge.
Still curious? Read the full FAQ or call (877) 283-2321.
Get Started
Four minutes now saves you sixty days of paperwork later. No hard credit pull to see where you stand.
What are you applying for?
Choose the option that fits best — you can always talk it through with a specialist.
How much funding do you need?
Drag the slider — a rough number is fine.
What's it for?A few details
This helps us match you with the right lenders.
Where should we send your options?
A funding specialist will review and reach out — no impact to your credit score.
Speed things up with documents (optional)
Recent bank statements help us get you approved faster. Accepted formats: PDF, PNG, JPG — max 3 files.
Review your application
Make sure everything looks right — then send it our way.
Thank you — your application has been received. A dedicated funding specialist will contact you within one business day.
Need us sooner? Call (877) 283-2321.
Success Stories
Owners who got bank-beating rates — without fighting the process alone.
My specialist walked me through an SBA loan step by step. Lower rate than I thought possible.
BTEC Financial helped me secure funding when traditional banks turned me away. Within 48 hours I had the capital to expand my store.
From $40K working capital to a $250K expansion loan in two years. They grow with you.
Keep Exploring
Let's Get You Funded
Start the pre-qualification above, or call and ask for an SBA specialist. We’ll tell you honestly whether SBA is your play — and what to do if it isn’t yet.
