SBA & Long-Term Loans
SBA Loans — Government-Backed Financing for Long-Term Growth
SBA and long-term business loans are designed for expansion, property purchases, or refinancing. They offer competitive interest rates and structured repayment schedules that provide stability while supporting long-term growth goals.
A great fit for
- Business expansion
- Owner-occupied real estate
- Debt consolidation and refinancing
- Business acquisitions
Why Businesses Choose SBA Loans
Small Business Administration (SBA) loans are among the most sought-after financing products in the market — and for good reason. Because a portion of the loan is guaranteed by the federal government, lenders can offer lower down payments, longer repayment terms, and highly competitive interest rates compared to conventional business loans.
SBA 7(a) loans fund expansion, acquisitions, equipment, and working capital, while SBA 504 loans are purpose-built for owner-occupied real estate and major fixed assets. Both programs give growing businesses room to make substantial, long-term investments without straining monthly cash flow.
Expert Guidance From Application to Close
SBA paperwork intimidates many borrowers — that's where Encore earns its keep. Our advisors have guided hundreds of applications through underwriting, assembling the documentation, financial statements, and projections lenders expect, and keeping your file moving until funds are wired.
Start with a five-minute online application or call (888) 550-9339 to find out which SBA program fits your plans and what you can qualify for.
Not sure this is the right program? Our team will match your scenario against every in-house program and our lender network — one application, all options.
For SBA 7(a) small loans, you can also apply directly through our lending partner Newity — pre-filled with our partner code so your application routes back to our team.
Apply through our SBA partner portal