SBA-guaranteed loans are made by participating lenders, not directly by the SBA. They can support longer-term business needs and involve detailed eligibility and documentation review.
Qualifying small businesses with a sound purpose and demonstrated repayment ability that can support a more comprehensive application process.
Synergy Capital helps business owners explore financing options and understand the structure presented. Synergy Capital is not affiliated with or endorsed by the U.S. Small Business Administration. Availability, amounts, pricing, and terms depend on lender underwriting and approval and are not guaranteed.
The SBA guarantees a portion of an eligible loan issued by a participating lender. The 7(a) program covers a range of purposes; 504 financing supports major fixed assets through Certified Development Companies; microloans provide smaller amounts through intermediary lenders.
Terms vary by program, use of proceeds, and lender. Payments and maturities should be evaluated alongside the asset or business purpose. SBA eligibility does not eliminate lender underwriting, collateral analysis, or guaranty requirements.
Rates and fees depend on the program and loan. Review the note, guarantee-related fees, closing expenses, and prepayment rules. Use official SBA resources to understand program parameters rather than assuming every SBA loan has the same pricing.
A sound use of proceeds connects the financing to a specific operating need and a credible repayment plan.
Finance qualifying real estate, equipment, or improvements with an appropriate term.
Explore eligible 7(a) uses with complete financial and transaction documentation.
Consider microloans through participating intermediary lenders when appropriate.
These questions help you compare actual obligations, not just headline amounts. Request the final documents and take time to review them before signing.
Read the related guide →Read the SBA’s guidance on 7(a) loans, 504 loans, and microloans. Synergy Capital is not the SBA, is not affiliated with or endorsed by the SBA, and does not guarantee eligibility or approval.
No single product is best for every business. Compare the intended use, cost, repayment, collateral, and time horizon before choosing.
Illustrative information only. Availability, amounts, pricing, fees, and terms vary and are set after underwriting. Nothing on this page is an offer, commitment, or guarantee of approval or funding. Financing, if arranged, is provided by Synergy Capital or its funding partners. See Terms & Disclosures.
Tell us what you want to accomplish. We will help you evaluate the available structure, cost, and repayment before you decide.
Applying or calling does not guarantee approval or funding. By submitting an application or contacting us, you consent to be contacted by Synergy Capital and its funding partners by phone, text, email, or other means at the numbers and addresses you provide, including by autodialed or prerecorded messages where permitted by law. Message and data rates may apply; consent is not a condition of purchase. Applying involves a soft credit inquiry, which does not affect your credit score. A funding partner may perform additional verification, which can include a hard inquiry, before final approval. See Terms & Disclosures and Privacy Policy.
