Lower rates and longer terms than any fast product can match. We package your file to SBA and lender standards, then manage the whole process. No hard credit pull to check.
1000+
Businesses funded
$50K to $500K, funded in 3 to 7 days
20+
Years of lending experience
board member, National Association of Government Guaranteed Lenders
$300M+
Deployed
for payroll, inventory, equipment, expansion, and debt refinancing
Why ChatBiz for SBA
SBA 7(a) pricing runs 6.5 to 9.75%, roughly half the rate of a fast term loan, on terms up to 25 years. No short term product competes on cost.
We assemble your package to SBA and lender standards, coordinate the valuation, and manage the lender directly, so you are not chasing a status update through a portal.
We set up equity injection, seller standby, valuation, and lien position before we submit. That is what stalls a first time SBA file at a generalist bank.
What an SBA 7(a) looks like
Amount
Up to $5M
from $50K on 7(a) through $5M on large 7(a)
Rate
6.5–9.75%
the 6.5% floor is for real estate secured files
Term
10–25 years
fully amortized, up to 25 for real estate
Payments
Monthly
never a daily or weekly debit
Time to close
45–60 days
set honestly, the price of the low rate
Eligible uses
Broad
acquisition, real estate, expansion, refinance, equipment, working capital
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
SBA deals stall on the same three things every time: equity injection, seller standby, and collateral gap. On a short call, a specialist tells you whether your deal clears underwriting, and what to change if it does not.
(727) 432-0428
Monday–Friday · 9 a.m.–7 p.m. ET
Straight answers
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A 2 minute eligibility check, then a conversation with an SBA specialist who has closed hundreds of these. A realistic, milestone based timeline before you upload a single document.
Check my eligibilityNo hard credit pull. No obligation. We never sell your data.
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