Your business deserves the best possible start, which is why a Small Business Administration (SBA) loan may be the perfect choice for you. These loans are guaranteed by the federal agency, meaning you can enjoy flexible terms and affordable interest rates.

Use Our Loan Calculator

Rundown of an SBA Loan

The maximum amount for a loan is $5 Million

One of the most manageable financing options

Great for businesses that are expanding

SBA loans are extremely popular, as the SBA guarantees up to 85 percent of loans that are $150,000 dollars or less and 75 percent of higher amount loans. If you are hoping to open a new business location, hire more staff, or even refinance an existing loan, an SBA loan is a top choice for you.

Many business owners appreciate SBA loans because they are fast, last a long time, and have a streamlined process. If you are in need of a loan quickly, SBA loans are an idea choice.

How are these loans repaid?

Working capital or daily operations: seven years

New equipment purchases: 10 years

Real estate purchases: up to 25 years


Usually, SBA loan holders have much longer to repay them than other loans. Your term will depend on how you intend to use the money. For example, your money can go to anything from equipment purchases to working capital.

  • Working capital or day-to-day operations: Seven years
  • Equipment purchase: 10 years
  • Property purchase: up to 25 years

With these loans, a longer term means a lower payment. Keep your money in your business instead of using it for bills.

Benefits of an SBA Loan


There are several loan options with different repayment plans!


SBA Loans applications are simplified and streamlined for your convenience


SBA Loans are structured to help your business grow and not be stifled by unmanageable payment plans.

If you believe an SBA loan could be the help you need to make your business thrive, reach out to Merchant Flow Financial today. With 10 years of helping business owners achieve their dreams, we know a thing or two about financing small companies. We have the expertise to point you in the right direction — not just the loans.

Contact Merchant Flow Financial today for financial help with your small business.

Merchant Cash Advance SBA Loans Factoring Invoices Asset Based Line of Credit
Best for:

-Businesses that need a loan quickly

-Business that can pay a set daily amount or a percentage of credit or debit card sales

-Businesses that are growing

-Businesses that need a quick and manageable loan

-Businesses that need cash quickly

-Businesses that can afford the associated fees

-Businesses that are able to control cash flow

-Businesses with a good financial standing

Length of Loan -Loan is paid off when set amount is paid back to the lender. -Usually between 7 and 25 years -Paid off once original invoice is paid back -Balance is paid off as borrower spends, similar to a credit card

-Purchasing or replacing equipment

-Making a necessary repair

-Opening a new location or bringing on new employees -Paying employees, rent, utilities, etc. when company can’t wait for invoice to be received

-Managing funds

-Monitoring business cash flow and building credit


-Quick and easy to acquire


-Flexible terms and payment plans

-Streamlined process



-Easy approval

-Flexibility with spending and paying back

-Potentially low interest rates

Learn More Learn More Learn More Learn More

Merchant Flow has a selection of loans to get your business going. Is a SBA loan not for you? Here are some other options:

Merchant Cash Advance

Commercial Mortgages

Business Loans