SBA 7(a) is government-backed, which is why it carries lower rates and longer terms than other business financing. You can borrow up to $5M at 7 to 11% APR, with funding in 10 to 60 days. Check your eligibility in minutes, with no hard credit pull.
1000+
Businesses funded
with fast working capital, debt refinancing, and SBA loans
20+
Years of lending experience
board member, National Association of Government Guaranteed Lenders
$300M+
Deployed
for payroll, inventory, equipment, expansion, refinancing, and more
Why owners choose ChatBiz
Government-backed pricing with repayment terms up to 25 years and fixed monthly payments that fully amortize, which keeps your monthly cost lower and cash flow healthier.
Led by a Senior VP SBA banker with 20+ years closing these loans. We shop multiple SBA lenders and structure the file to get approved.
We check your eligibility against multiple trusted SBA lenders with a soft pull, so you see where you stand with no hard inquiry on your credit.
What you get
Amount
$50K – $5M
Rate
7% – 11%
APR
Payments
Monthly
fully amortizing
Term
Up to 25 yrs
Funding speed
10 – 60 days
Use it for
Working capital
or any SBA-eligible use
Owners who grew with ChatBiz
★★★★★
"They turned complex financial challenges into smooth solutions - and made the process enjoyable."
Christopher McKenney
SBA Loan
★★★★★
"ChatBiz helped me when I needed clarity and gave great advice throughout the process."
Carlos de Varona
Refinance
★★★★★
"ChatBiz made it easy from day one. They advised me on my bookkeeping and helped me get approved when I really needed clarity and support."
Akhil Bhandare
Working Capital
You work with a lending advisor who has closed SBA loans for two decades, not a sales rep. We tell you honestly whether SBA fits and map out the timeline before you start.
(727) 432-0428
Monday–Friday · 9 a.m.–7 p.m. ET
Common questions
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Check your eligibility for $50K to $5M at 7 to 11% APR. No hard credit check and no obligation.
Check my eligibilityTakes about 2 minutes. We never sell your data.
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