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SBA Loans

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Government-Backed Financing Designed to Help Your Business Grow

Looking for affordable, long-term financing to start, grow, or expand your business? SBA Loans—guaranteed in part by the U.S. Small Business Administration—offer flexible terms, low interest rates, and higher approval odds for small business owners.

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At Wiseside Financial, we help you navigate the SBA loan process and secure the capital you need with expert guidance every step of the way.

 

What is an SBA Loan?

An SBA Loan is a small business loan partially backed by the U.S. government, designed to reduce lender risk and make funding more accessible for entrepreneurs. While the SBA does not lend directly, it partners with lenders like Wiseside Financial to offer financing under favorable terms.

 

​SBA loans can be used for working capital, real estate, equipment, debt refinancing, and more.

Key Features

  • Loan Amounts: From $50,000 to $5 million

  • Terms: Up to 25 years for real estate, 10 years for other uses

  • Low Interest Rates: Fixed or variable, often below market rates

  • Government Guarantee: Up to 85% of the loan is backed by the SBA

  • Flexible Use of Funds: Ideal for a wide range of business purposes

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Types of SBA Loans We Offer

  • SBA 7(a) Loans – Versatile, general-purpose funding

  • SBA 504 Loans – Long-term financing for real estate or fixed assets

  • SBA Microloans – Smaller loan amounts (up to $50,000) for startups

  • SBA Express Loans – Faster approvals with simplified applications

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Who It’s For

SBA loans are ideal for:

  • Startups and early-stage businesses with strong plans​

  • Established businesses seeking affordable expansion funding

  • Business owners purchasing real estate, equipment, or inventory

  • Entrepreneurs refinancing higher-cost debt

  • Minority, women-owned, and veteran-led businesses seeking support​

Common Uses for SBA Loans

  • Business acquisition or partner buyout

  • Purchasing or improving owner-occupied commercial real estate

  • Refinancing high-interest business debt

  • Working capital and operational costs

  • Equipment and inventory purchases

  • Construction or leasehold improvements

Our 3 Step Process

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STEP 1

Apply

Fill out our Quick Apply application.

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STEP 2

We review your application

We review your goals and present you with programs matching your needs, getting an offer in 24 hours

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STEP 3

Receive funding

Choose the program that fits you best and receive funding within 48 hours.

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