Before you explore financing options, take a moment to step back and evaluate your overall situation. Once you understand your needs, you'll have a better idea of what to look for.

SBA loan programs are designed for a variety of situations. One of them is right for your unique needs.

How can SBA help?

Although SBA is not a lender, our financial assistance programs are geared for the key financing basics of small businesses.

Learn About SBA's Role

Lenders around the country participate in SBA programs. Find one in your neighborhood.

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Be sure to do your homework before meeting with a lender. You'll need to bring a variety of documents to complete your loan application. Here are a few:

  • Copies of tax returns for the past three years.
  • Your business plan
  • Cash flow projections
Small Business Loans

Let’s face it: part of starting your own business involves figuring out your financials. SBA has developed a number of financial programs for small businesses, all of which will be explained in this section.
Grants

While SBA doesn’t directly offer loans to small businesses, they do provide you with a number of different resources and opportunities for finding small business funding.
Bonds

Looking to upgrade your small business to a new facility? Check out the tax-exempt bond category to learn why they might be appealing to your growing company.
Other Financial Assistance

If you’re in a high-growth potential industry, you may be able to take advantage of local seed and venture capital programs in your area. Check out the Venture Capital category below to learn more.

SBA Direct

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Loans & Grants

SBA.gov's Loans & Grants Search Tool allows you to answer 13 questions about your business and receive information on financing for which you might be eligible.

Open for Business blog

Keep up with SBA’s top leaders and hear the latest news, including new tools and tips to grow a business.

Disaster Recovery Loans

Learn about and apply for SBA Disaster Loans for homeowners, renters, businesses of all sizes and private, nonprofit organizations.