Lowest cost of capital
When stretching every dollar matters, SBA rates are hard to beat.
SBA Loans
The lowest rates and longest terms available — with a specialist doing the paperwork.
Amount$50,000 – $5,000,000
Typical termUp to 10 yrs (25 for real estate)
Funding speedGuided, expedited
What it is
How SBA Loans works for you
SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer the lowest rates and longest repayment terms available to small businesses. They are ideal for major, long-horizon investments where keeping the cost of capital as low as possible matters most.
The trade-off is a more involved application. That is why Quartz assigns a dedicated SBA specialist to every applicant — to assemble the paperwork, manage the process, and shepherd you all the way to funding so the lowest-cost capital is also the least stressful to obtain.
Best for
When it's the right fit
Real estate & build-outs
Terms up to 25 years for commercial property purchases.
Major expansion
Large amounts for acquisitions, renovations, or new locations.
Refinancing expensive debt
Replace high-cost balances with a low, long-term SBA structure.
How it works
From application to funded
1
Meet your specialist
We pair you with a dedicated SBA advisor who maps out your eligibility.
2
Assemble the package
Your specialist helps gather financials and documentation — and does the heavy lifting.
3
Submit & underwrite
We package and submit your application and manage the review on your behalf.
4
Close and fund
Sign your closing documents and put the lowest-cost capital to work.
Rates & terms
The numbers, in plain sight
Every offer is quoted with the full cost up front — no hidden fees, no confusing fine print. Your exact rate and term depend on your business profile and our underwriting.
Eligibility
What you'll need to qualify
Most businesses that meet our three baseline criteria can qualify. Stronger profiles unlock larger amounts and better pricing.
Soft check to start
Seeing your options never affects your credit score — we only run a hard pull once you choose to move forward on a specific offer.
Why businesses choose it
The benefits
Lowest rates
The SBA guarantee unlocks pricing other products simply cannot match.
Longest terms
Repay over as long as 25 years to keep payments manageable.
A specialist on your side
We handle the paperwork and process so you can keep running your business.
Versatile use
Fund expansion, equipment, real estate, refinancing, and more.
Popular with
Industries that rely on this
Good to know
Frequently asked questions
They are more document-intensive than other products, but your dedicated specialist manages the process so it is far simpler than going it alone.
Longer than our fast products — typically a few weeks — but our guided process keeps it moving and predictable.
Nearly any legitimate purpose: working capital, equipment, real estate, expansion, or refinancing existing debt.
Generally a for-profit U.S. business meeting our baseline of 6+ months operating, $15,000+ monthly revenue, and a 500+ credit score, with stronger profiles qualifying for the best terms.
Related funding
Other products to consider
Long-Term Loans
Larger capital over a longer horizon, with lower payments for the big moves.
Explore Long-Term LoansEquipment Financing
Fund the trucks, machines, and tools your business runs on — and keep your cash.
Explore Equipment FinancingBusiness Line of Credit
Reusable, draw-when-you-need-it capital you only pay for when you use it.
Explore Line of CreditReady to put this capital to work?
Start your application in minutes. Checking your options is free and never affects your credit score.