USDA B&I / Rural Loans
USDA-guaranteed loans for rural businesses.
Learn moreUS lead product · Government-backed
SBA Loans
SBA 7(a), 504 and Express government-backed loans.
$50k – $5.5M10 – 25 years30 – 90 days to close
- SBA 7(a), working capital, refinance, acquisition
- SBA 504, owner-occupied real estate & equipment
- SBA Express, up to $500k, faster decisioning
What is sba loans?
SBA loans are partially guaranteed by the US Small Business Administration, letting participating lenders extend longer terms and lower rates than they could on-balance-sheet alone. The three main flavors are 7(a) for general business purposes, 504 for owner-occupied real estate and heavy equipment, and Express for accelerated smaller-ticket approvals.
Because the process is document-heavy and takes 30–90 days, borrowers self-select, they've usually been turned down for faster products, or they specifically want the longest amortization on the market. That produces high-intent enquiries with real financials behind them.
Our SBA enquiries are pre-qualified against the core eligibility gates (US-based for-profit, size standards, owner credit, time in business) before we hand them over, so your BDO team spends time closing rather than triaging.
Product mechanics
Key numbers your BDO team should know before the first call.
- Loan range
- $50k – $5.5M
- Typical term
- 10 – 25 years
- Indicative rates
- Prime + 2.75% to Prime + 4.75% (indicative)
- Funding speed
- 30 – 90 days to close
- Typical borrower
- Established US small businesses (2+ years trading), owner-occupied real estate, expansion or acquisition.
- Why brokers want these
- Higher ticket sizes, longer close cycles but strong commission per funded deal.
Common use cases
- Acquiring an existing business or partner buyout
- Purchasing owner-occupied commercial real estate
- Long-term working capital and debt refinance
- Franchise build-out and multi-unit expansion
- Heavy equipment purchases with real estate collateral
Typical borrower qualifications
- Typically 2+ years time in business
- Owner FICO 680+
- Positive cash flow / DSCR ≥ 1.15
- US citizen or lawful permanent resident owner(s)
- Clean personal & business tax returns available
Why brokers buy from us
Why government-backed brokers buy sba loans leads from us
What makes this feed different from generic aggregator flow.
2-year TIB and citizenship pre-checked, no wasted underwriter time on ineligible files
Loan purpose captured up front so you route to the right SBA product on day one
Consent, source URL and timestamp captured for audit-ready compliance
Compare
How sba loans compares to adjacent products
Help your team route enquiries to the right product on day one.
vs Alternative Financing
Faster to fund (72 hours) but 3–5x the cost, SBA suits borrowers with time and documentation.
View Alternative Financingvs USDA B&I
Larger tickets and rural-location eligibility; SBA has broader industry reach and shorter approval cycles.
vs Conventional Term Loan
SBA extends longer amortization (up to 25y on RE) at lower rates thanks to the federal guarantee.
Our lead generation process
How we generate sba loans leads
Every enquiry is captured, consented and vetted before it reaches your CRM.
Source channels
- SEO on high-intent comparison terms (SBA 7(a) vs conventional, SBA 504 calculator)
- Google Search Ads on 'SBA loan' and product-specific keywords
- CPA and business broker partner referrals
- Content partnerships with acquisition (ETA) and franchise communities
Data captured on each lead
- SBA product interest (7(a) / 504 / Express) and requested loan amount
- Use of funds (acquisition, owner-occupied RE, WC, refi, franchise)
- Time in business (2y+ gate), industry NAICS and state
- Owner FICO band, citizenship / green card confirmation
- Real estate involvement and estimated collateral value
Vetting workflow
- 2-year time-in-business and citizenship gate applied at capture
- SBA-ineligible industry filter (passive real estate, speculative, etc.)
- TCPA + CAN-SPAM consent capture with IP, timestamp and source URL
- US-hours phone verification confirming loan purpose and decision timeline
What a lead looks like
Verified enquiry
$50k · SBA Loans
LLC · US-based · phone-verified decision-maker · TCPA consent on file
- SBA product interest (7(a) / 504 / Express) and requested loan amount
- ✓
- Use of funds (acquisition, owner-occupied RE, WC, refi, franchise)
- ✓
- Time in business (2y+ gate), industry NAICS and state
- ✓
- Owner FICO band, citizenship / green card confirmation
- ✓
Who this suits & how we qualify
Best fit for
SBA Preferred Lenders, BDOs at community banks, and brokers with a Preferred Lender panel who can close 30–90 day deals.
Qualification standard
- 2-year time-in-business and citizenship gate applied at capture
- SBA-ineligible industry filter (passive real estate, speculative, etc.)
- TCPA + CAN-SPAM consent capture with IP, timestamp and source URL
Turnaround
Fresh, consent-captured enquiries delivered to your CRM inside your agreed response window.
Broker FAQs
Common questions from buyers of sba loans leads.
Related products
Other government-backed lead flows we supply.
Ready for vetted SBA Loans enquiries?
Tell us your credit box and volume, we'll come back within one business day.