Access low-rate, government-backed SBA loans through CapEx Resources.
Enjoy flexible terms up to 25 years and funding designed to support your business expansion, refinancing, or new projects.
SBA loans are government-backed financing programs that help small businesses access affordable, long-term funding for working capital, equipment, or expansion. By partnering with approved lenders like CapEx Resources, the U.S. Small Business Administration guarantees a portion of each loan, allowing business owners to qualify for lower interest rates and longer repayment terms—often up to 25 years.
Whether you’re launching, growing, or refinancing, SBA loans offer one of the most flexible and cost-effective ways to fund your business while keeping cash flow strong.
CapEx Resources offers both SBA 7(a) and SBA 504 loan programs, each designed to meet different business needs.
While both provide low-rate, government-backed funding, they differ in purpose, structure, and loan amount.
Here’s how to decide which SBA loan may be right for you.
The SBA 7(a) program is the most common option for small businesses seeking flexible funding.
It can be used for working capital, refinancing, business acquisition, or equipment purchases.
Loan amounts typically go up to $5 million with repayment terms up to 25 years.
SBA 504 loans are designed for purchasing fixed assets like machinery and large equipment.
These loans provide long-term financing with fixed rates, typically involving both a lender and a Certified Development Company (CDC).
Looking to finance specific equipment instead? Explore our Equipment Financing options
Loan Amounts: Up to $5 million
Terms: Up to 25 years
Rates: Typically 5% – 11% (depending on market rates and program type)
Programs: SBA 7(a) and 504 Loans
Funding Time: 30–60 days from approval
Prepayment: No prepayment penalties on most loans
Actual rates and terms depend on your credit profile, business performance, and program eligibility.
All loans are subject to U.S. Small Business Administration guidelines and final lender approval.
To qualify for an SBA loan, your business must meet certain eligibility standards established by the U.S. Small Business Administration.
While exact criteria vary by program, here are the general requirements most borrowers need to meet.
A personal credit score of 680+ is recommended, along with a solid history of on-time payments and responsible financial management.
Most SBA programs require at least two years of business operation and consistent revenue to demonstrate stability and repayment ability.
Lenders look for positive cash flow and manageable debt-to-income ratios to ensure your business can support loan repayments.
CapEx Resources simplifies the SBA lending process by combining deep industry experience with personalized support.
Our team guides you through every step—from pre-qualification to funding—so you can focus on growing your business with confidence.
Our specialists have years of experience structuring SBA 7(a) and 504 loans, ensuring you understand every option available to your business.
We handle paperwork and communication with lenders to help you move from application to funding quickly—with clear updates at each step.
Every business is different. We match you with the SBA program and terms that best fit your goals—whether that’s expansion, refinancing, or new equipment.
SBA loans are government-backed financing programs designed to help small businesses access affordable funding through approved lenders. The U.S. Small Business Administration guarantees a portion of each loan, which allows for lower rates and longer terms.
CapEx Resources works with SBA-approved lenders to help you apply and qualify for the right program. Once approved, you receive funding with repayment terms up to 25 years, depending on your business’s needs and the type of SBA loan.
We offer both SBA 7(a) and 504 loan programs. The 7(a) loan is ideal for working capital, refinancing, or business expansion, while the 504 loan is typically used for machinery and large equipment purchases.
Most SBA loans require a credit score of 680 or higher, at least two years in business, and positive cash flow. Exact qualifications may vary based on loan type and lender criteria.
Approval times vary depending on documentation and lender review, but most SBA loans close within 30–60 days. For faster funding, CapEx also offers SBA Bolt Loans, with smaller loan amounts and quicker approvals.
Yes. SBA 7(a) loans can be used to refinance eligible business debt, especially when it helps improve cash flow or consolidate higher-interest loans into a more manageable repayment plan.
