Apply for SBA Loans Through Funding Circle

At Funding Circle we’re 100% focused on Small Business success.

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We’re all about Small Business

Funding Circle is here to help you navigate the complex SBA loan process. Get started with a few simple questions about you and your business, then you’ll begin working with your dedicated loan specialist within one hour. We know this is not only a challenging time, but may be a confusing process. Your loan specialist will be your guide, helping you through the entire process from start to funding in order to set you up for success.

SBA 7(a) Loans from Funding Circle

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Loan amounts from $20k–$5 million

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Rate of Prime+2.75%

(Currently 6%*)

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Loan Terms up to 10 years

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No Prepayment penalties

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Since 2010, Funding Circle has helped businesses in over 700 industries access the capital they need. How can we help you?

81,000 Businesses served globally. $11.7 billion in funding provided globally

A personalized approach to Small Business funding

We know how diverse small businesses can be and we will help build a unique loan solution around your needs. We work with Preferred SBA Lenders offering in– house approvals and accelerated processing give you fast answers and even faster closings.

SBA 7(a) Loan

Best used for expenses such as, inventory, working capital, equipment, and consolidating debt

  • Loan amounts from $20,000–$5 million
  • Up to 10 year loan term
  • Rate of Prime+2.75% (Currently 6%*)
*Based on WSJ prime as of 4/13/20. Rate is prime +2.75%

Who is eligible?

Small businesses who meet the below criteria are eligible to apply for an SBA 7(a) loan:

  • In business for more than 3 years
  • At least $500,000 in annual revenue
  • No federal tax liens
  • 680 FICO for personal Guarantor
  • Positive book value (assets > liabilities)
  • SBA Eligible industries
checklist documents

Steps to getting an SBA Loan with Funding Circle

With our dedicated account managers we’ll make sure you’re spending time running your business and not managing your application. Let’s get started!

  1. Start your application online in 6 minutes by answering a few questions about you and your business

  2. Receive a call from your dedicated Account Manager who will get to know your business and discuss your needs in order to help you complete your application

  3. Submit Application to SBA preferred lender partners

  4. Review and approve your Proposal Letter outlining the terms of your unique loan

  5. Collect remaining documents and submit complete loan package for final underwriting

  6. Sign your formal loan agreement

Applying won’t affect your credit score!

Documents you’ll need

Here are the most common documents required in processing and SBA 7(a) loan.


  • 3 years of business tax Returns
  • 2019 Balance Sheet and Profit & Loss Statement (if 2019 taxes are not ready)
  • YTD Balance Sheet
  • Debt Schedule

Personal (for the Guarantor)

  • 3 years of Personal Tax returns
  • Personal Financial Statement
  • Personal Information Statement 4506
  • Authorization to pull credit

Fees you can expect with SBA loans

  • SBA Loan Guarantee Fee – 1.7% for loans up to $150k and 2.25% for loans greater than $150k
  • Broker / Agent fee – Origination fee paid to the lender
  • Closing Costs - Costs associated with underwriting expenses such as background checks, placing liens, credit pulls

Note: Both SBA and Broker fees can be included in your loan request

Use an SBA loan through Funding Circle to...

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Upgrade your business

Upgrade your business

Tackle your to-do list with one loan for renovations, repairs, new supplies and technology.

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Cover upfront costs

Cover upfront costs

Get the resources you need now, like raw materials, staff, supplies and permits with predictable monthly payments and no prepayment penalties.

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Consolidate business debt

Consolidate business debt

Get control over your finances with our low rates and a single predictable monthly payment.

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Tackle an emergency

Tackle an emergency

Get quick cash to cover the unexpected, cash flow gaps or to replace critical equipment.

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Grow your business

Grow your business

Use our flexible terms and loan amounts to open a new location, buy another business or launch a new product.

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Prep for busy season

Prep for busy season

Get ahead with our simple, fast application for inventory, staff, marketing and even tax expenses.

Apply now