Government-Backed SBA Loans with the Best Rates in the Market
TrustScore navigates the SBA loan process for you. Access 7(a), 504, Microloan, and Express programs with rates from 5.5% and terms up to 25 years. We handle the paperwork — you grow your business.
SBA Loan Programs We Offer
Each SBA program is designed for specific business needs. Our specialists match you with the right program for your situation.
SBA 7(a) Loan
The most popular SBA loan program. Use for working capital, equipment, real estate, debt refinancing, or business acquisition. Maximum flexibility for established businesses.
Best for: Established businesses needing flexible, long-term capital
- Working capital & operations
- Equipment & inventory
- Real estate purchase or refinance
- Business acquisition
- Debt consolidation
SBA 504 Loan
Designed for major fixed-asset purchases like commercial real estate and heavy equipment. Features below-market fixed interest rates and long repayment terms.
Best for: Businesses buying commercial real estate or major equipment
- Commercial property purchase
- Land and building construction
- Major equipment (useful life 10+ years)
- Renovation & modernization
- Green energy projects (up to $5.5M)
SBA Microloan
Small loans for startups and small businesses. Perfect for inventory, supplies, furniture, fixtures, machinery, or working capital needs.
Best for: Startups, new businesses, and micro-enterprises
- Startup working capital
- Inventory & supplies
- Fixtures & equipment
- No collateral for small amounts
- Technical assistance included
SBA Express Loan
Faster SBA approval — 36-hour turnaround from the SBA. Streamlined application process with quicker funding for time-sensitive opportunities.
Best for: Businesses needing faster SBA funding
- 36-hour SBA turnaround
- Simplified application
- Revolving lines available
- Working capital & equipment
- Same SBA guarantees
SBA Loan Eligibility Requirements
The SBA sets specific eligibility criteria. TrustScore helps you understand and meet these requirements.
For-Profit US Business
Must operate as a for-profit business in the United States
Meets SBA Size Standards
Must qualify as a 'small business' per SBA industry size standards
Owner Equity Invested
Owner must have invested personal time and/or money into the business
Exhausted Other Options
Unable to obtain credit on reasonable terms from non-government sources
No Delinquent Debt
No delinquent federal debt (taxes, student loans, prior SBA loans)
Demonstrated Ability
Ability to repay the loan from projected business cash flow
Our SBA Loan Process
Free Consultation
Discuss your needs and check preliminary eligibility.
Document Collection
We guide you through required financials and documents.
Application Preparation
Our team prepares your complete SBA application package.
Lender Matching
We submit to SBA Preferred Lenders for fastest processing.
Closing & Funding
Review terms, sign documents, and receive your capital.
SBA Loan FAQ
How long does the SBA loan process take?
SBA 7(a) loans typically take 30-60 days from application to funding. SBA Express loans can be approved in as little as 36 hours. SBA 504 loans take 60-90 days due to the dual-lender structure. TrustScore's relationships with Preferred Lenders help accelerate this timeline.
What credit score do I need for an SBA loan?
Most SBA lenders look for a minimum credit score of 650-680. However, the SBA considers the overall application including business cash flow, collateral, and management experience. Scores below 650 may still qualify with strong business financials.
What documents do I need?
Typically: 3 years of personal and business tax returns, YTD profit & loss statement, balance sheet, bank statements (6-12 months), business plan (for startups), SBA forms 1919 and 1920, and personal financial statement (SBA Form 413).
Do I need collateral for an SBA loan?
SBA loans do require collateral when available, but the SBA does not decline loans solely due to insufficient collateral. Personal guarantees from owners with 20%+ ownership are standard.
Can startups get SBA loans?
Yes. SBA Microloans (up to $50,000) are designed for startups. SBA 7(a) loans are also available to startups with a solid business plan, relevant industry experience, and adequate owner equity injection (typically 10-30%).
See If You Qualify for an SBA Loan
Free eligibility check. No obligation. Expert guidance through every step.
Check My EligibilitySBA loan approval is subject to SBA eligibility requirements and lender underwriting criteria. Rates and terms shown are for illustrative purposes and may vary. TrustScore Business Funding is not an SBA lender; we assist businesses in preparing and submitting SBA loan applications to our network of SBA Preferred Lenders. The SBA does not guarantee approval of any specific loan application. Processing times are estimates and may vary by lender and application complexity. TrustScore, LLC, 1342 NM 333, Tijeras, NM 87059.