Arkadian Capital
Government-Backed · SBA 7(a) Program

SBA 7(a) Express Loans
The Lowest Rates Available

Government-backed financing with 10-year terms and rates you won't find anywhere else. Designed for established businesses that want to grow — without the predatory rates of alternative lending.

Pre-Qualify in About 2 Minutes (855) 786-1190

SBA 7(a) Express at a Glance

Loan AmountUp to $1,000,000
Interest RateAs low as Prime + 1%
Term Length10 years
Pre-Qualification2-Minute Online Estimate
Min. Credit Score660+
Time in Business2+ years
Min. Revenue$100K/year
Check If I Qualify →
Why SBA

Why Business Owners Choose SBA Loans

SBA loans are the gold standard of small business financing — and for good reason.

Lowest Rates Available

SBA loans offer rates significantly below alternative lenders, MCAs, or online term loans. Your money goes further.

10-Year Terms

Longer repayment terms mean lower monthly payments and more cash flow to reinvest in your business.

Government-Backed

The SBA guarantees a portion of every loan, which means better terms and more favorable approval criteria for you.

New Underwriting Standard

October 2026 SBA Guidelines Changes (SOP 50 10 8.1)

The SBA has enacted major revisions including a 1.25x DSCR mandate, historical cash flow requirements, and tighter credit box limits. Read our full breakdown of how these changes impact your borrowing power.

Read SOP 50 10 Guide
Quick Check

Do I Qualify?

If you can check most of these boxes, there's a strong chance you qualify for an SBA 7(a) Express loan. Not sure? Apply anyway — our team will let you know in minutes.

  • Credit score of 600 or higher
  • At least 2 years in business
  • $100,000+ in annual revenue
  • 100% U.S. citizen ownership
  • No Merchant Cash Advance in the last 6 months

Not sure if you qualify?

Don't guess — our SBA specialists will review your situation in minutes and tell you exactly where you stand. No obligation, no hard credit pull.

Pre-Qualify Free — Takes 2 Min Or Call (855) 786-1190
Use of Funds

What Can You Use SBA Funds For?

Working Capital
Equipment Purchases
Real Estate
Inventory & Supplies
Hiring & Payroll
Debt Refinancing
Business Expansion
Technology Upgrades
Marketing & Growth
New in 2026

Specialty SBA Programs

Two new government-backed programs for specific industries — same great SBA rates and terms.

SBA Grocery Guarantee

Up to $1M · Rates as low as Prime + 1% · 10-year term

Government-backed loans for businesses in agriculture, farming, grocery retail, and food processing. Broader use of funds than standard SBA loans.

For: Farms, ranches, grocery stores, food wholesalers, food processors, and related businesses.

Apply Now →

SBA Made in America

Up to $1M · Rates as low as Prime + 1% · 10-year term

For U.S. manufacturers looking to modernize facilities, upgrade equipment, diversify supply chains, or bring production back to the U.S.

For: All U.S. manufacturers — consumer goods, processed materials, machinery, and finished products.

Apply Now →
How It Works

3 Simple Steps

1

Apply Online

Takes about 2 minutes. No hard credit pull. We just need basic info about you and your business.

2

Get Pre-Qualified

Our SBA specialists review your application and present your loan options — usually within 24 hours.

3

Get Funded

Accept your offer, upload documents, and our team handles the rest. We guide you through closing to funding.

FAQ

Common Questions

What credit score do I need?
600 or higher for all majority owners. If you're close, apply anyway — our team can advise you on your options.
How much can I borrow?
Up to $1,000,000 for working capital, or up to $5 million for fixed assets like equipment and real estate. Your exact amount depends on your business revenue.
What's the interest rate?
Rates start as low as Prime + 1% — the lowest rates available for small business financing. Significantly lower than MCAs, online term loans, or lines of credit.
How long does the process take?
Pre-qualification takes minutes. The full process from application to funding varies based on documentation, but our team keeps things moving as fast as possible.
Can I get an SBA loan with a Merchant Cash Advance?
You'll need to be at least 6 months past your last MCA. If you're not sure, apply and we'll let you know where you stand.
Do I need to be a U.S. citizen?
Yes — as of 2026, SBA loans require 100% U.S. citizen ownership. If this doesn't apply, we have other loan options available.
Can trucking or freight transportation companies qualify for SBA loans?
Under updated 2026 SBA SOP 50 10 guidelines and bank credit boxes, long-haul freight carriers and owner-operators are generally restricted from standard SBA Express programs. However, Arkadian Capital actively funds transportation businesses through our dedicated Trucking Business Loans program with credit scores down to 500 and funding in 24–48 hours.

Ready for a Better Business Loan?

Government-backed SBA loans · Rates as low as Prime + 1% · 10-year terms · Pre-qualify in about 2 minutes

Pre-Qualify Now (855) 786-1190

Arkadian Capital · NMLS #2575829 · $500M+ Funded · 2,400+ Businesses Funded