Do you qualify for an SBA loan?
Answer 8 quick questions and see where you stand in about 60 seconds. No credit check and no obligation.
Are you SBA-ready?
8 quick questions, about 60 seconds. No credit check.
How long has your business been operating?
What's your personal credit score?
What's holding your score back? Pick all that apply.
Good news: our in-house credit repair team works on exactly this, and getting to 680+ opens up more SBA lenders.
What's your annual revenue?
Does your 2025 business tax return show net income (a profit)?
What would you use the SBA loan for?
Could you put about 10% down if needed?
Any bankruptcy, foreclosure or default on a government loan in the last 3 years?
Is the business U.S.-based, for-profit, and not in lending, gambling, cannabis or adult industries?
What you'll need for SBA
- 2025 business tax return – must show net income (a profit)
- 2025 personal tax return
- Debt schedule – any current loans or advances
- Full Experian credit report – printed or PDF, or we’ll help you pull it
- Driver’s license
- Last 6 months of business bank statements
This check is a general guide, not a loan approval or offer. SBA loans are made by approved lenders and are subject to SBA rules and lender underwriting.
The SBA basics
Every lender is a little different, but these are the usual starting points.
Time and net income
Usually 2+ years in business, and your 2025 tax returns must show net income (a profit).
Credit and history
Personal credit around 650–680+ and no recent bankruptcies or government-loan defaults.
Eligible business
A U.S.-based, for-profit business that meets SBA size standards, often with about 10% down for purchases.
Documents to have ready
- 2025 business tax return – must show net income (a profit)
- 2025 personal tax return
- Debt schedule – any current loans or advances
- Full Experian credit report – printed or PDF, or we’ll help you pull it
- Driver’s license
- Last 6 months of business bank statements
Prefer to talk it through?
Call us and an advisor will walk you through SBA options.