SBA loans are made by approved lenders and partially guaranteed by the U.S. Small Business Administration. That guarantee unlocks rates, amounts, and terms conventional financing rarely matches.
Among the lowest rates available
The SBA guarantee reduces lender risk, which translates into highly competitive pricing for small businesses.
Terms up to 10 to 25 years
Long repayment terms keep monthly payments low: up to 10 years for working capital and up to 25 years for real estate.
Amounts up to $5 million
The flagship 7(a) program funds working capital, expansion, acquisition, equipment, and real estate at serious scale.
A real person, not a portal
SBA paperwork is real. An advisor walks you through every document by phone.
Check your funding options
Takes about a minute. No obligation.
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Secure formNo obligationReviewed by a real advisor
$250M+
in funding secured
$5M
up to, through the SBA 7(a) program
20+ yrs
combined funding experience
Do you qualify?
Straightforward criteria. Here’s what we look for.
Time in business
2+ years
SBA programs favor established businesses with a documented operating history.
Revenue
Strong and consistent
Financials that show the business can comfortably service the loan.
Bank account
Business checking
An active business checking account in the business name.
Credit score
650+
Both business and personal credit history factor into SBA approval.
Not sure you qualify? Most owners we talk to are closer than they think.
If SBA is not the fit yet, your advisor will show you the fastest alternative and a path to qualify later.
Check my funding options
Built for established businesses playing the long game.
These are the businesses we fund most.
Businesses buying real estate
Owners ready to stop renting and buy their building.
Acquisitions & partner buyouts
Buying a business, a franchise, or a partner’s share.
Major expansions
Second locations, large renovations, and capacity build‑outs.
Refinancing expensive debt
Established businesses carrying high-cost short‑term financing.
What is an SBA loan?
An SBA loan is a business loan made by an approved lender and partially guaranteed by the U.S. Small Business Administration. The SBA does not lend the money directly. Its guarantee reduces the lender’s risk, which is what unlocks the program’s signature benefits: lower rates, longer terms, and larger amounts than most conventional business financing.
The flagship 7(a) program funds up to $5 million for working capital, equipment, real estate, acquisitions, and refinancing, with terms up to 10 years for working capital and up to 25 years for real estate. The 504 program pairs a lender with a Certified Development Company to finance major fixed assets like buildings and heavy equipment, and the Microloan program serves smaller needs up to $50,000.
The trade-off is paperwork and time: SBA loans involve more documentation and a longer approval process than alternative funding. That is exactly why your advisor manages the package with you, assembling the documents, structuring the application, and driving it to approval.
Denali Advance is a private company, not affiliated with or endorsed by the U.S. Small Business Administration or any government agency. We work with lending partners who participate in SBA programs.
Check my funding options
How it works
1Request in about a minute. Share the basics in the short form. No documents needed to start.
2Pre-qualify with your advisor. A real person reviews your profile by phone in about 15 minutes, confirms SBA fit, and tells you exactly which documents to gather.
3Your advisor builds the package. We assemble and structure the full application for the lender and SBA review, the part most owners dread, handled with you.
4Approval and funding. SBA loans fund in weeks, not days. Your advisor keeps you updated at every step until the money lands.
Why business owners choose an SBA loan through Denali.
Built by entrepreneurs, for entrepreneurs.
Lower total cost of capital
The SBA guarantee delivers pricing that short-term and unsecured funding cannot touch.
Long terms, low payments
Repayment over 10 to 25 years keeps monthly payments small relative to the capital you receive.
Serious funding amounts
Microloans up to $50K, and up to $5 million through the 7(a) program. Real capital for real moves.
Paperwork, managed with you
Your advisor assembles and structures the application package. You focus on the business; we drive the file.
An honest answer on fit
If SBA is not your fastest path, your advisor says so, and shows you the alternative plus a roadmap to qualify later.
Use it for almost any business purpose
Working capital, real estate, equipment, acquisition, refinancing. The 7(a) program covers nearly every legitimate business need.
Check my funding options
What our clients say.
Real feedback from business owners funded through Denali Advance.
SBA loan FAQs.
Does the SBA lend me the money directly?
No. SBA loans are made by approved lenders and partially guaranteed by the U.S. Small Business Administration. The guarantee is what allows lenders to offer lower rates and longer terms. Denali Advance is a private company, is not affiliated with or endorsed by the SBA or any government agency, and works with lending partners who participate in SBA programs.
What is the difference between the 7(a), 504, and Microloan programs?
The 7(a) program is the general-purpose flagship: up to $5 million for working capital, equipment, real estate, acquisition, or refinancing. The 504 program finances major fixed assets, buildings and heavy equipment, through a lender and a Certified Development Company. Microloans cover smaller needs up to $50,000. Your advisor identifies the right program on your first call.
How long does an SBA loan take?
Longer than alternative funding. Plan on weeks, not days, depending on the program, the loan size, and how quickly documents come together. Your advisor gives you a realistic timeline up front and keeps you updated at every step. If speed matters more than cost right now, ask about bridge options while the SBA loan processes.
Will applying affect my credit?
Sending the short form does not run a credit check. SBA applications do involve a full review of business and personal credit, and your advisor explains exactly when and how credit is pulled before anything happens.
What do I need to apply?
The short form starts it. SBA underwriting then requires more documentation than alternative funding, typically business and personal tax returns, financial statements, and a business debt schedule. Your advisor gives you a precise checklist and helps you assemble every item.
What credit score do I need?
SBA approvals generally look for scores of 650 or higher, along with solid financials and at least two years in business. Decisions weigh the full picture: revenue, cash flow, credit history, and the purpose of the loan.
Do SBA loans require collateral or a down payment?
It depends on the program and amount. Real estate and larger loans typically involve collateral, and some uses, like acquisitions and 504 projects, include an owner equity contribution, often around 10%. Your advisor lays out the exact structure of your offer before you commit to anything.
Still have questions?
Call and a real person walks you through it. The phone application takes about 15 minutes, and your advisor answers anything the page did not.
or email info@denaliadvance.com
Tell us about your business.
Share the basics. A funding advisor takes it from there.
- Your name, business name and best phone number
- How much funding you need and what it is for
- How long you have been in business
- Your average monthly revenue
