Business Funding

SBA Loans

Perfect for expansion, working capital, or debt refinance.

At a Glance

Funding Amount $50,000 - $5,000,000

Term 10 to 25 Years

Overview

The Angel Funding Advantage

SBA loans are the gold standard of small business financing. We've guided businesses across hundreds of industries through the SBA loan process from start to finish.

Angel Funding Group streamlines the traditionally complex SBA application process, packaging your file perfectly to match with our network of Preferred SBA Lenders (PLP), bypassing the usual red tape. Explore the dedicated pages for SBA 7(a), SBA 504, and SBA Express Loans below to find the right fit.

The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

Pre-Qualification

Submit our simple online application. Our advisors review your financials to ensure SBA eligibility without a hard credit pull.

Document Collection

We gather standard SBA documentation (tax returns, P&L, business debt schedule) and package your file for underwriting.

PLP Underwriting

Your file goes directly to an SBA Preferred Lender, significantly reducing the approval timeline compared to standard banks.

Closing & Funding

Once approved, closing documents are signed, and funds are disbursed to execute your growth strategy.

Who Qualifies?

For-profit businesses operating in the US
Minimum credit score of 680 (though exceptions exist)
Positive net income on the most recent tax return
No defaults on previous government debt (student loans, federal taxes)

Common Scenarios

How businesses use SBA Loans

Business Expansion

Opening a second location, hiring staff, or launching a new product line.

Partner Buyouts

Buying out a retiring or exiting business partner to gain full control of the entity.

FAQ

Frequently Asked Questions

Get the facts on SBA Loans.

What is the difference between SBA 7(a) and 504?

The 7(a) is the standard program used for working capital, debt refinancing, and business acquisitions. The 504 program is specifically designed for purchasing fixed assets, primarily owner-occupied commercial real estate or heavy machinery.

Do I need perfect credit?

While good credit is typically required (680+), we work with various SBA preferred lenders who look at the holistic health of the business rather than just a credit score.

Is collateral required?

The SBA requires lenders to take available collateral up to the loan amount, but they will not decline a loan strictly due to a collateral shortfall if the cash flow is strong.

Can I use an SBA loan to pay off a Merchant Cash Advance?

Yes! Debt refinancing is one of the most common and powerful uses of the SBA 7(a) loan, significantly lowering monthly debt service obligations.

Stop waiting. Start growing.

Start your application and find out exactly how much capital you qualify for. It won't affect your credit score.

Get Pre-Qualified Now → Schedule A Call