SBA & Term Loans
Long terms, low monthly payments, and real APRs for businesses built to scale.
Term loans deliver a lump sum repaid in fixed monthly installments over years, not months. SBA 7(a) and 504 programs carry government guarantees that unlock the longest terms and lowest rates available to small business. Conventional and bank-alternative term loans move faster with slightly higher pricing.
From application to wire
- 1
Pre-qualify
We review credit, two years of returns, and cash flow to see which programs you fit.
- 2
Package the file
LeoLend assembles the package the lender wants — debt schedule, P&L, use of funds — so it doesn't stall.
- 3
Underwriting
Bank-alternative term loans decide in days. SBA typically runs 2–6 weeks.
- 4
Close & fund
Sign, close, and receive funds with a fixed monthly payment for the life of the loan.
Best for
- Expansion, acquisitions, and buy-outs
- Refinancing expensive short-term debt
- Owner-occupied commercial real estate (SBA 504)
- Established businesses with 2+ years of history
What the numbers look like
Second location for a dental practice
- Loan
- $0
- Term
- 0 years
- Est. APR
- ~0.0%
- Est. payment
- ~$0/mo
Result: Second office broke even in month 7; owner kept 100% equity instead of taking a partner.
Buying out a retiring partner
- Loan
- $0
- Term
- 0 years
- Est. APR
- ~0%
- Est. payment
- ~$0/mo
Result: Ownership transition completed without draining operating cash.
Examples are illustrative composites to show how the product works. Actual amounts, pricing, and terms depend on underwriting.
Where Term Loans works best
Healthcare & Dental
Strong margins and stable revenue fit long-term amortization.
Professional Services
Acquisitions and partner buy-outs on long terms.
Manufacturing
Plant expansion and working capital at bank-like rates.
Franchises
SBA franchise directory brands move faster through approval.
Hospitality
SBA 504 for owner-occupied hotels and buildings.
Run your Term Loans numbers
- Credit profile: Good (680-719)
- Payment burden: 3.6% of monthly revenue
- Request size: 13.9% of annual revenue
Optimized illustrative amortization—not an approval or offer. Actual APR, fees, collateral, and terms vary.
Straight answers
How long does SBA take?
Typically 2–6 weeks with a complete package. We pre-build it so you don't stall.
Is a personal guarantee required?
Usually, for owners with 20%+ of the business.
Can I use it to refinance MCAs?
Yes — term loans are one of the best exits from stacked advances when you qualify.
Money talks. Ours ROARS.
One application. Every program we have. Mix and blend products on the same file.
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