SBA 7(a)
Up to $5M
- Working capital, at scale and on long terms
- Refinance expensive debt into one lower payment
- Buy a business or buy out a partner
- Fund expansion, hiring, and inventory in one facility
SBA 7(a) & 504 · All 50 States
SBA loans up to $5 million for American small businesses
All American SBA arranges 7(a) and 504 loans — plus five faster financing products — through a national network of lending partners. One application. Competing offers. No fee to apply.
$0M
Top SBA loan amount
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States we arrange funding in
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Approvals in as little as
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Financing products under one roof
The flagship
Two SBA programs. One is built for your next move.
Government-guaranteed loans carry the longest terms and lowest payments in small-business finance. The catch is the paperwork — and that part is our job, not yours.
SBA 504
Up to $5M
- Buy the building instead of renting it forever
- Heavy machinery and long-life equipment
- Long-term fixed rates — payment certainty for decades
- Down payments as low as 10% on qualifying projects
Not sure which program fits? You don’t have to be. Submit one application and an advisor matches your use case to 7(a), 504, or a faster product — and tells you why.
Full arsenal
Six financing products, $5K to $5M
SBA is the flagship — but the right tool depends on how fast you need capital and what it’s for. Every product below runs through the same single application.
SBA Loans — 7(a) & 504
Up to $5Mamount
2–6 wksto funding
The gold standard: government-guaranteed capital with the longest terms and lowest payments available to a small business.
Check my SBA eligibilityBusiness Term Loans
Up to $5Mamount
3–7 daysto funding
A fixed amount, a fixed schedule, a known payoff date — bank-style structure without the bank-style wait.
Price a term loanWorking Capital
Up to $1Mamount
24–48 hrsto funding
Revenue-based funding judged on your deposits, not your credit score. The fastest wire on this page.
Get a same-week optionEquipment Financing
Up to $2Mamount
2–5 daysto funding
The machine collateralizes itself — trucks, medical devices, kitchen lines, CNC. New or used.
Finance equipmentBusiness Line of Credit
Up to $250Kamount
1–3 daysto funding
Standing capital you draw only when needed and pay interest on only what you use. Payroll insurance, effectively.
Open a credit lineBusiness Credit Cards
Up to $150Kin lines
1–2 wksto approval
Stacked 0%-intro credit lines that separate business spend from personal and build your business credit file.
Build card capacityFlight plan
From application to wire in four steps
No branch visits, no voicemail purgatory. A person owns your file from the first minute.
Apply in 5 minutes
Six fields and a soft credit pull that never touches your score. No documents required to start.
An advisor calls back
A funding advisor — not a queue — reviews your numbers and confirms which products you clear.
Offers, side by side
Lending partners compete on your file. You see amounts, rates, and terms in writing within 24 hours on fast products.
You choose. We close.
Pick the structure that fits. Working capital wires in 24–48 hours; SBA closes in 2–6 weeks.
Why us
Built for American business owners — not for the bank’s convenience
A single bank can only say yes or no to its own product. A brokerage makes the market come to you: one file, multiple funding partners, competing terms — and an advisor whose job is telling you the truth about all of them.
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Lenders compete for your fileOne application is shopped across a network of funding partners — leverage a single bank can’t offer.
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All 50 states, one standardFrom Miami to Anchorage, the same process, the same advisor model, the same $5K–$5M range.
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Soft pull. Zero score damage.Checking your options is free of credit consequences — a hard inquiry happens only if you accept an offer that requires one.
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No fee, no obligation, no pressureApplying costs nothing. Every offer is in writing. If today’s answer is “not yet,” we say so and tell you what changes it.
Who we fund
The industries that keep the country running
If your business makes, moves, feeds, heals, builds, or sells — there’s a product on our menu shaped for your cash-flow reality.
Construction & Trades
Medical & Dental
Restaurants & Food
Retail
Trucking & Transport
Manufacturing
Professional Services
E-commerce
Straight answers
Questions owners actually ask
Will applying hurt my credit score?
No. Your application triggers a soft credit pull only — the kind that never touches your score. A hard inquiry only ever happens if you accept a specific offer whose funding partner requires one, and your advisor flags that step clearly before it occurs.
How long does SBA funding actually take?
Plan on two to six weeks from complete file to funded 7(a) or 504 loan — SBA underwriting is thorough by law. When that timeline is too long for the problem in front of you, faster products on our menu (working capital in 24–48 hours, credit lines in 1–3 days) can bridge the gap while the SBA file moves.
What are the minimum qualifications?
For most of our products: three or more months in business and roughly $10,000 in monthly revenue. SBA loans set a higher bar — typically two or more years of operating history, reasonable credit, and financials that show repayment ability. Tell us where you stand and we’ll map the products you clear today.
What paperwork does an SBA loan require?
Business bank statements, two to three years of business and personal tax returns, a current profit-and-loss statement and balance sheet, plus a debt schedule. It’s more than a working-capital application asks for — which is exactly why an advisor assembles and packages the file with you instead of leaving you a checklist.
Is All American SBA the lender?
No — and that works in your favor. All American SBA is a financing brokerage. Your single application is shopped across a network of third-party funding partners, so lenders compete for your file rather than you pleading with one bank.
What does your service cost me?
Applying costs nothing and commits you to nothing. Every offer arrives in writing with its amounts, rates, and terms stated before you sign anything. If none of the options fit, you walk away — no fee, no obligation.
Apply once. See your options within 24 hours.
Five minutes, six fields, soft pull only. An American funding advisor takes it from there.