SBA Loans
Government-backed rates, on ICG’s timeline.
SBA 7(a) loans offer the lowest rates and longest terms available to small businesses. ICG expedites the SBA process so you get competitive terms without the typical 3–6 month bank timeline.
- Range
- $5M
- Terms
- Up to 25 years
- Speed
- 30–60 days
- Min FICO
- 650+
The short answer
How do SBA loans work with ICG?
SBA 7(a) loans offer the lowest rates and longest terms available to small businesses. ICG expedites the SBA process so you get competitive terms without the typical 3–6 month bank timeline.
- Range
- $5M
- Terms
- Up to 25 years
- Speed
- 30–60 days
- Min FICO
- 650+
- Min revenue
- $30K/mo
Last updated 2026-06-24
How it works
One application, three honest steps.
The same process powers every ICG product. SBA Loans adds nothing extra. See the full walkthrough →
Step 01
Apply
Three minutes online. No documents required to start. Soft credit pull only.
Step 02
Review
One ICG team underwrites your file against sba loans criteria. You get a decision and indicative terms.
Step 03
Fund
Sign electronically. Funds wire to your operating account, typically within 24 hours of approval.
Who it’s for
Built for businesses that fit sba loans.
If these four lines describe your business, you very likely qualify.
Eligibility snapshot
- Time in business
- 6 months or more
- Monthly revenue
- $30K/mo
- Personal credit
- 650+
- Funding speed
- 30–60 days
Common use cases
Business Acquisition
Buy an existing business or franchise with SBA-backed financing.
Commercial Real Estate
Purchase or refinance your business property with up to 25-year terms.
Major Expansion
Fund a significant growth initiative with the lowest possible cost of capital.
Compare
SBA Loans sits next to four other products.
One application routes you to the product that actually fits. Full side-by-side comparison →
| Product | Range | Speed | Best for |
|---|---|---|---|
| SBA LoansYou are here | $5M | 30–60 days | Business Acquisition |
| Revenue Funding | $500K | 24 hours | Emergency Payroll |
| Term Loans | $500K | 24–48 hours | Business Expansion |
| Line of Credit | $250K | 24 hours | Seasonal Cash Flow |
| Bridge Capital | $500K | 24 hours | Real Estate Deposits |
| BCA | $500K | 24–48 hours | Card-Heavy Retail & Restaurants |
FAQs about SBA Loans
The questions we hear most.
01Why are SBA loans slower?
Why are SBA loans slower?
The SBA guarantee process involves federal documentation requirements. ICG minimizes this timeline but some regulatory steps cannot be skipped. Typical funding is 30–60 days.
02What collateral is required?
What collateral is required?
The SBA requires collateral for loans over $350K. For smaller amounts, a personal guarantee is typically sufficient.
03Can I use SBA funds for working capital?
Can I use SBA funds for working capital?
Yes. SBA 7(a) loans can be used for working capital, equipment, real estate, debt refinancing, and business acquisition.
By state
Available in every state we fund.
Each state page covers the local commercial financing disclosure rules, the SBA district office, and where to file UCCs for sba loans.
- AlabamaAL
- AlaskaAK
- ArizonaAZ
- ArkansasAR
- CaliforniaCA
- ColoradoCO
- ConnecticutCT
- DelawareDE
- Washington, D.C.DC
- FloridaFL
- GeorgiaGA
- HawaiiHI
- IdahoID
- IllinoisIL
- IndianaIN
- IowaIA
- KansasKS
- KentuckyKY
- LouisianaLA
- MaineME
- MarylandMD
- MassachusettsMA
- MichiganMI
- MinnesotaMN
- MississippiMS
- MissouriMO
- MontanaMT
- NebraskaNE
- NevadaNV
- New HampshireNH
- New JerseyNJ
- New MexicoNM
- New YorkNY
- North CarolinaNC
- North DakotaND
- OhioOH
- OklahomaOK
- OregonOR
- PennsylvaniaPA
- Rhode IslandRI
- South CarolinaSC
- South DakotaSD
- TennesseeTN
- TexasTX
- UtahUT
- VermontVT
- VirginiaVA
- WashingtonWA
- West VirginiaWV
- WisconsinWI
- WyomingWY
By industry
Built for your industry.
Industry-specific cash-flow patterns, qualification realities, and how sba loans fits each one.
Ready when you are
Apply for SBA Loans. Get an answer today.
Three minutes. Soft credit pull. One ICG team from application to wire.