Keep the business moving while SBA closes.
SBA underwriting runs two to six weeks. A strong SBA file often qualifies for faster capital you can put to work today — then repay or refinance once the SBA loan funds.
About SBA 7(a)
Government-backed loans for established businesses — the lowest rates and longest terms in our network. They take longer and ask more of you, and for the right business they are worth every day of the wait.
Eligibility & documents.
The honest minimums and the exact paperwork — so you know whether to apply and what to gather before you do.
- 2+ years in business
- 680+ personal credit (all 20%+ owners)
- $10K+ average monthly revenue
- Profitable or break-even on recent returns
- No bankruptcies in the last 3 years
- Driver’s license & voided business check
- Last 2 years business tax returns
- Last 2 years personal tax returns
- Year-to-date P&L and balance sheet
- Last 6 months business bank statements
- Business debt schedule
- STEP 1Apply4 minutesSoft pull, no impact to your score
- STEP 2Underwriting1–3 weeksDocument review and SBA processing
- STEP 3Offer—Side-by-side terms, every fee disclosed
- STEP 4Funded2–6 weeksWired to your account
Questions, answered.
What credit score do I actually need?
Most SBA 7(a) approvals in our network sit at 680 or higher across every owner with a 20%+ stake. Below that, a term loan or equipment financing is usually the faster route — and we’ll tell you so during the quick check.
How long does SBA funding really take?
Two to six weeks, end to end. The application is four minutes; the wait is underwriting and SBA processing. If you need money this week, this is the wrong product and we’ll point you to one that funds in days.
Will I have to sign a personal guarantee?
Yes. The SBA requires a personal guarantee from every owner holding 20% or more. Loans over $25,000 are typically also secured by business — and sometimes personal — collateral.
What does Emet earn on an SBA loan?
A referral fee of 1.0–2.5%, paid by the lender — not added to your rate or payment. You’ll see the exact figure on every offer before you accept anything.
Can I pay it off early?
Loans with terms under 15 years have no prepayment penalty. Loans of 15 years or longer carry a declining penalty in the first three years only.
Get capital working now.
Answer seven questions and we’ll match you with faster capital you can use today — side-by-side offers, every fee disclosed, our cut shown. No hard pull until you accept.