A Starting Point for Business Owners
Understand your options, prepare your business, and explore funding programs that may fit your situation — without pressure and without guesswork.
Start with the tools
Business Loan Readiness Calculator
See how prepared your business may be for financing and identify areas you can strengthen before applying.
Check My ReadinessBusiness Valuation Assessment
Estimate a value range for your business using normalized earnings, industry context, assets, growth, customer concentration, owner dependence, and transferability.
Results are estimates and are not a professional appraisal or formal valuation.
Estimate My Business ValueBusiness Loan Payment Calculator
Estimate payments, total repayment, and financing cost — and see what a payment could represent as a share of monthly revenue.
Estimate My PaymentSBA Eligibility Checker
Answer preliminary questions to see whether your business could be worth reviewing for SBA-backed financing.
Preliminary information only. Eligibility is determined by participating lenders and applicable program rules.
Check SBA CandidacyUnderstand the programs
SBA 7(a) Loans
The SBA's most widely used program, generally used for working capital, expansion, equipment, and some acquisitions.
Learn about SBA 7(a) LoansSBA 504 Loans
Long-term financing generally associated with owner-occupied commercial real estate and major fixed assets.
Learn about SBA 504 LoansSBA Microloans
Smaller loan amounts made through nonprofit intermediary lenders, often paired with business assistance.
Learn about SBA MicroloansBusiness Term Loans
A lump sum repaid over a set period, commonly used for defined projects and one-time investments.
Learn about Business Term LoansBusiness Lines of Credit
A revolving limit a business can draw from as needed, often used for short-term or recurring cash flow gaps.
Learn about Business Lines of CreditEquipment Financing
Financing structured around the purchase of business equipment, where the equipment often serves as collateral.
Learn about Equipment FinancingRead before you apply
What Is Commonly Reviewed in an SBA Loan Application
A plain-language overview of the information participating lenders generally review when a business applies for SBA-backed financing.
Business Loan RequirementsDocuments Commonly Requested for a Business Loan
The document set most financing providers ask for, why each item matters, and how to organize them before you apply.
Preparing for FinancingHow to Compare Business Financing Offers
Payment size alone does not tell you what an offer costs. Here is what to compare across offers before you sign.
Funding by state
State pages cover financing options that may be available to eligible businesses in that state. BusinessLoanPrograms.com does not operate any state program.