Funding programs

Fund your business

From SBA-backed loans to investment capital and grants — here are the real programs, and we help you prepare a strong application and get matched with a lender.

SBA 7(a) loan

Up to $5M · general purpose

The SBA's primary loan — working capital, equipment, refinancing or buying a business. The SBA guarantees part so lenders say yes more often.

SBA 504 loan

Real estate & equipment

Long-term, fixed-rate financing for major fixed assets like buildings and heavy equipment, via Certified Development Companies.

SBA Microloan

Up to $50,000

Small loans for startups through nonprofit lenders — often paired with free business mentoring.

Investment capital (SBIC)

Equity & debt

SBA-licensed funds that invest in growing small businesses when you need equity, not just a loan.

Disaster assistance loans

Recovery

Low-interest loans to repair or replace property and cover costs after a declared disaster.

Surety bonds

Contracting

The SBA guarantees surety bonds so small contractors can compete for contracts that require them.

Grants (SBIR / STTR & local)

Non-dilutive

Federal R&D grants fund innovation without giving up equity; many state/local grants exist too. Real 'free money' is rare — verify the source.

Lender Match

Find a lender

A free SBA tool that connects you with approved lenders. We help you prepare a strong application.

Not sure which fits?

Tell us how much you need and what for — including a loan (how much, why, and what can back it) — and we'll guide you to the right option.

Apply for funding help →

Official programs: sba.gov/funding-programs