07 — Government-backed
SBA Loans
The lowest rates and longest terms in business lending, backed by the U.S. Small Business Administration — with a specialist guiding every step.
What it is.
SBA loans are partially guaranteed by the U.S. Small Business Administration, which reduces lender risk and unlocks the lowest rates and longest repayment terms available to small businesses. The trade-off is a more involved application and a longer timeline to fund.
They suit major, long-horizon investments — real estate, large acquisitions, significant expansion, or comprehensive debt refinancing. The paperwork can be daunting, so a Meridian SBA specialist manages the process end to end, from confirming eligibility to coordinating the closing.
Best for.
An SBA loan is the right instrument for your largest, most strategic investments, where the lowest rate and longest term outweigh the longer timeline.
- Purchasing commercial real estate for your business
- Acquiring another business or buying out a partner
- Major, multi-year expansion or build-out projects
- Refinancing significant higher-cost debt at a far lower rate
How it works.
Confirm eligibility
Your SBA specialist reviews your business against program criteria — no guesswork.
Assemble the package
We help gather financials, projections, and documentation, doing the heavy lifting with you.
Underwrite & approve
The application moves through underwriting and SBA review with your specialist tracking every step.
Close & fund
Once approved, you close and receive funds — typically 30 to 60 days from a complete file.
Rates & terms.
- Loan amount
- $50,000 – $5,000,000
- Term length
- Up to 10–25 years
- Rates from
- ~Prime + a small margin
- Repayment
- Monthly
- Down payment
- From ~10%
- Collateral
- Generally required
Rates and limits are illustrative and depend on underwriting, time in business, revenue, and credit profile. This is not an offer or commitment to lend.
Eligibility.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- A for-profit U.S. business meeting SBA size standards
Why businesses choose it.
Lowest rates available
The government guarantee unlocks rates well below most conventional business loans.
Longest terms
Repay over as long as 25 years for real estate, keeping monthly payments manageable.
A specialist on it
A dedicated SBA expert manages the paperwork and timeline so you can run your business.
Borrow up to $5M
Enough capital for real estate, acquisitions, and transformational growth.
Powerful refinancing
Consolidate and refinance high-cost debt into one low, long-term payment.
Government-backed
The SBA guarantee improves your odds of approval on a major financing.
SBA Loans FAQ.
Related funding.
The gold standard of lending
Explore your SBA options.
Apply once and a dedicated SBA specialist will confirm your fit and guide every step.