SBA Loan

With low APRs and broad usage, SBA funding programs can be a smart way to start or expand your business without driving your business deep into debt.


Complete our online form or speak with a small business specialist at


We assess your business’s health and reach out to you with the best available funding options.


Receive funds in your account as soon as the same day, plus access to your online account.

What is an SBA Loan?

SBA-guaranteed loans are made by private lenders and are guaranteed up to 80 percent by the SBA. This helps reduce the lender’s risk and helps them provide financing that’s otherwise unavailable at reasonable terms. SBA loans are typically more difficult to qualify for but offer low rates, favorable terms, and other benefits. From 7(a) loans and microloans to disaster loans and debt consolidation, SBA loan programs come in many different forms. Dhanishta Inc. can help you gain access to the best federally-backed funding option you qualify for.

What Can an SBA 7(a) Loan Do For My Business?

The SBA has a variety of different loans available to small business owners and Dhanishta Inc. is able to provide access to loans for working capital, debt refinancing, and equipment purchases. With low interest rates and favorable terms, Small Business Administration loans offer numerous benefits for nearly any use.

SBA Loan Details

Qualifying Criteria

Business Expansion Loans are available to businesses throughout the U.S. which meet the following criteria:

  • 600+ FICO score
  • 3+ years in business
  • $15,000+ average monthly bank deposits
  • $3,000+ in average daily balances

Required Documentation

  • Signed business loan agreement
  • Business mortgage statement if you own; business lease agreement if you rent
  • Unexpired government-issued picture ID of all owners
  • Bank statements—most recent 3 months
  • For loans over $100,000 we require your most recent business tax return

Interest Rates and Fees

  • Interest rates: Starting at 9.99%
  • Origination fee: A one-time 2.5% (of total loan) set up fee, deducted from your proceeds

Get started with us

Frequently Asked Questions

The SBA helps small businesses obtain needed credit by giving the government's guaranty to loans made by commercial lenders. The lender makes the loan and SBA will repay up to 85% of any loss in case of default. Since this is a bank loan, applications are submitted to the bank and loan payments are paid to the bank.

Eligible businesses must:

  • Operate for profit
  • Be engaged in, or propose to do business in, the U.S. for 2 years.
  • Have reasonable owner equity to invest.

SBA loan programs are generally intended to encourage longer-term small business financing. Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.

The maximum maturities for SBA loans are as follows:

  • 25 years for real estate
  • 10 years for equipment
  • 10 years of working working capital or inventory loan