What's the difference between SBA 7(a) and 504?

SBA 7(a) is the most flexible — funds can be used for almost any purpose. SBA 504 is specifically for major fixed-asset purchases (real estate, equipment) and typically offers lower rates but stricter use requirements.

How long does SBA approval take?

SBA loans typically take 30-90 days from application to funding. The timeline depends on deal complexity, documentation readiness, and lender processing. Our team works to expedite every step.

Do I qualify for an SBA loan?

SBA loans generally require at least 2 years in business, a credit score of 680+, and the ability to demonstrate repayment capacity. Your advisor can assess your eligibility quickly.

SBALoans

The most affordable capital in America. Government-backed loans with competitive rates, long terms, and the lowest payments available.

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The best rates in business lending. Period.

Ideal for:

Established businesses with strong credit

Companies buying real estate or equipment

Owners who want the lowest monthly payments

Businesses with time to go through a longer process

Amount

Up to $5M (7a) / $5.5M (504)

Terms

Up to 25 years

Funding Speed

30–90 days

Howitworks

The Concept

SBA loans are backed by the U.S. Small Business Administration, allowing lenders to offer longer terms, lower rates, and more favorable conditions than conventional financing. They're among the most affordable funding options available to small businesses.

Our Approach

We work with preferred SBA lenders to offer both 7(a) loans — the most versatile SBA product for general business purposes — and 504 loans, which are designed specifically for major fixed-asset purchases like real estate and equipment.

Your Experience

While SBA loans involve more documentation and longer timelines than our other products, the favorable terms make them worth the investment for qualifying businesses. Our team handles the complexity of the SBA process so you can focus on running your business.

Whatyouget

Below-market interest rates

Terms up to 25 years

Lower down payment requirements

Both 7(a) and 504 programs available

Expert guidance through the SBA process

WhybusinesseschooseSBALoans

Most Affordable Capital

SBA-backed rates are among the lowest available to small businesses. Longer terms mean lower monthly payments, preserving cash flow.

Versatile Use of Funds

SBA 7(a) loans can fund virtually any business purpose — working capital, equipment, real estate, refinancing, or acquisitions.

Guided Process

The SBA application process is complex. Our team handles the paperwork, lender coordination, and SBA liaison work so you don't have to.

Seen enough?

Apply in 5 minutes. No impact to your credit score.

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Funding Estimate Calculator

Explore costs across different funding products. Adjust the sliders or pick a scenario below.

Funding Amount$100,000

$10,000$1,000,000

Term Length12 months

3 mo24 mo

Factor rate varies by term length and business profile.

Est. Monthly Payment

$11,042

Total Repayment

$132,500

Cost of Capital

$32,500

Factor Rate

1.32x

Effective Ann. Rate

32.5%

Get Your Actual Rate

This calculator provides estimates for illustrative purposes only. Actual rates, terms, and eligibility depend on your business profile, credit history, and lender underwriting. Apply to receive a real offer.

Whilebanksmakeyouwait,wefundyouthisweek.

See why 10,000+ businesses chose Creative over traditional financing.

Feature

CCAP

Traditional Bank

Application time

5 minutes

2-12 hours

Approval decision

Same day

2-8 weeks

Time to funding

24-48 hours

14-90 days

Credit requirements

Flexible

680+ typically

Collateral required

Often none

Typically required

Dedicated advisor

Multiple lender options

Revenue-based qualification

Skip the bank. Apply now.

What you'll need to apply

Minimum 2 years in business (preferred)

Good personal credit (typically 680+)

Business and personal tax returns (2-3 years)

Business plan and financial projections

Don't have all of these? Apply anyway — our team will work with you to find a path forward.

Hearfrombusinesseswe’vefunded

We're building sba loans success stories every day. Here's what other CCAP clients have to say.

“We needed $500K for a new commercial project and Creative Capital had the funds in our account within 48 hours. The process was seamless — our advisor walked us through every step. We've since funded three more projects through them.”

Marcus Thompson

CEO, Thompson & Co. Construction

“After being turned down by two banks, Creative Capital got us approved for a $250K line of credit in under a week. Their team understood our business model and found the right lender match. It's been a game-changer for managing cash flow.”

Sarah Chen

Founder & COO, Brightpath Logistics

Common questions about SBA Loans

Let's get you funded

Apply in 5 minutes. No credit impact. A funding advisor will be in touch within the hour.

Takes 5 minutes. No credit impact. No obligation.

Get Your Free Quote (929) 604-0993