SBA 7(a), 504, Express, Microloan. USDA B&I, REAP, 538. Eight programs, one free quiz. See which ones you might qualify for in 60 seconds.
Seven significant changes to SBA lending rules took effect in 2025. Most borrowers don't know about them. Here's what changed — and what it means for your application.
Approval volume is up 12% year-over-year through Q1 2026, driven by strong demand in manufacturing, healthcare, and food service. Here's what borrowers need to know about timing their applications.
Quarterly application cycle opens in two weeks. Projects over $200K are eligible for both grant and loan guarantee components.
The Fed held rates steady at its March meeting. What current SBA 7(a) variable rates look like and how to think about fixed vs. variable in 2026.
Credit requirements, documentation checklist, lender selection, and the three mistakes that kill most applications before they start.
Side-by-side comparison of rate structures, down payment requirements, eligible uses, and the scenarios where each program wins.
Up to $25 million. Rural area eligibility. Up to 80% guarantee. Most business owners have never heard of it — here's everything you need to know.
After 11 years of paying rent, the owners found a lender who had closed 200+ SBA 504 deals. Fixed rate. 10% down. Deal closed in 74 days.
Two SBA rejections. One conversation with the right lender who understood USDA eligibility. The quiz identified the right program — the lender did the rest.
A 160-acre operation qualified for a USDA REAP grant covering half the cost of a 280kW solar installation. The program was one they'd never heard of before taking the quiz.
Free education and a quick self-check. No broker fees, no sign-up, no cold calls.
Plain-English guides to every SBA and USDA loan program — what they fund, who they fit, and how the 2026 rules work. Start with the program that matches your goal.
Seven quick questions to see whether you meet the basic hurdles for the SBA loan program. It's a free self-assessment — no name, no email, no obligation, and nothing is stored or shared.
When you're ready, reach out to a local SBA-preferred lender to confirm where you stand and start an application. You approach them directly, on your own terms.
We cover every government-backed business loan program. Most platforms stop at SBA 7(a). We go further.
The SBA's flagship program. Working capital, equipment, real estate, acquisitions — the 7(a) handles it all with a government guarantee up to 85%.
Learn morePurpose-built for commercial real estate and major equipment. Long-term fixed rate on the CDC portion. Only 10% down required.
Learn moreThe rural equivalent of the SBA 7(a). Up to $25M for businesses in communities under 50,000 population. Often overlooked — and powerful.
Learn moreGrants up to 50% of project cost plus loan guarantees up to $25M for renewable energy and efficiency projects. One of the most favorable programs available.
Learn moreSeven quick questions. About 60 seconds. A free self-check to see whether you meet the basic hurdles for the SBA loan program — no sign-up, no contact info, no obligation.
This quiz is a free educational self-check based only on the answers you provided. It is not an application, an approval, or a determination of eligibility — and your answers are not stored or shared.
"I'd been turned down twice before finding this site. The quiz told me I was targeting the wrong program entirely — I should have been applying for a USDA B&I loan, not a 7(a). Funded within 90 days."
"Clearest explanation of SBA 504 I've ever found. We used it to buy our building — the guides gave us the confidence to approach the right kind of lender ourselves."
"The USDA REAP program was one I'd never even heard of. The site walked me through it clearly, I took the quiz, and now we have a 50% grant covering our solar installation. Incredible program."
A free self-check across all SBA and USDA programs. Built on 15 years of expertise. It costs you nothing and takes less than a minute.