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 purposeThe 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 & equipmentLong-term, fixed-rate financing for major fixed assets like buildings and heavy equipment, via Certified Development Companies.
SBA Microloan
Up to $50,000Small loans for startups through nonprofit lenders — often paired with free business mentoring.
Investment capital (SBIC)
Equity & debtSBA-licensed funds that invest in growing small businesses when you need equity, not just a loan.
Disaster assistance loans
RecoveryLow-interest loans to repair or replace property and cover costs after a declared disaster.
Surety bonds
ContractingThe SBA guarantees surety bonds so small contractors can compete for contracts that require them.
Grants (SBIR / STTR & local)
Non-dilutiveFederal 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 lenderA 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