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 5 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
Min. Credit Score600+
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.

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 5 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 5 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.

Ready for a Better Business Loan?

Government-backed SBA loans · Rates as low as Prime + 1% · 10-year terms · Pre-qualify in 5 minutes

Pre-Qualify Now (855) 786-1190

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