Lowest Rates
SBA backing lets lenders offer some of the lowest rates in business financing.
Government-Backed
The lowest-cost
The lowest-cost
capital, unlocked.
Government-backed financing with some of the lowest rates and longest terms available — and we handle the paperwork.
What It Is
Patient capital, streamlined.
SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer remarkably low rates and long repayment terms — up to 25 years on some programs. The trade-off is traditionally paperwork and patience.
That’s where we come in. Apex Velocity handles the heavy lifting, organizes your documentation, and keeps your application moving so you get the best cost of capital without the bureaucratic slog.
Best For
Is this your lane?
- Established businesses making major, long-term investments
- Real estate purchases and large build-outs
- Acquisitions and partner buyouts
- Refinancing high-cost debt into a low fixed rate
- Owners who want the lowest possible cost of capital
The Process
How sba loans works.
From application to funded in a few fast, transparent steps.
01
Pre-Qualify
We review your goals and financials to confirm the right SBA program and a realistic amount.
02
We Prep the Package
Our team assembles and organizes the full application so nothing stalls the process.
03
Underwrite & Approve
The lender and SBA review your package — we manage every back-and-forth on your behalf.
04
Close & Fund
Sign your closing documents and receive your low-cost, long-term capital.
Rates & Terms
The spec sheet.
| Loan amount | $50,000 – $5,000,000 |
| Term | Up to 25 years (program dependent) |
| Rate | Among the lowest available |
| Guarantee | Partially backed by the SBA |
| Speed | Longer than other products — worth the wait |
| Use | Expansion, real estate, acquisition, refinancing |
SBA programs have specific eligibility and documentation requirements. We guide you through every step.
Eligibility / Requirements
Do you qualify?
Our baseline is simple. Most businesses that meet these benchmarks are a strong fit for sba loans:
- Typically 2+ years in business (stronger profiles preferred)
- Steady, documented revenue ($15K+/month baseline)
- Generally 650+ credit for best terms (500+ to explore options)
- Solid financial documentation and tax returns
- For-profit U.S. business meeting SBA size standards
Checking your options is free and won’t affect your credit score.
Why Apex Velocity
Built for momentum.
Longest Terms
Repayment up to 25 years means the lowest possible monthly payment.
We Handle the Paperwork
Our team assembles and shepherds your application end to end.
Large Amounts
Up to $5M for real estate, acquisition, and major expansion.
Refinance High-Cost Debt
Consolidate expensive balances into one low, long-term payment.
Government-Backed Confidence
A partial SBA guarantee makes approval more attainable for the right businesses.
Questions
SBA Loans FAQ.
Because the Small Business Administration partially guarantees the loan, the lender takes on less risk. That reduced risk translates into lower interest rates and longer repayment terms than most conventional or alternative financing.
It can be — which is exactly why we exist. Apex Velocity organizes your documentation, prepares the package, and manages the lender and SBA communication so the process moves as efficiently as possible.
SBA loans take longer than our other products — often several weeks — because of the thorough underwriting. For the lowest cost of capital available, most borrowers find it well worth the wait.
SBA programs favor established, profitable businesses with solid documentation, generally 2+ years operating, and stronger credit. If you’re not quite there yet, we can match you to a faster product and revisit SBA later.
Related Funding
Other ways to fuel up.
Not quite the right fit? These products pair well with, or stand in for, sba loans.
Long-Term Loans
Larger amounts over longer terms for lower monthly payments and big moves.
Learn moreEquipment Financing
Finance machinery, vehicles, and tech with the asset as collateral.
Learn moreLine of Credit
Revolving capital on standby — draw what you need, pay only for what you use.
Learn moreLock in the lowest cost of capital.
Let us handle the SBA paperwork while you focus on the big move. Start your application.
Apply Now