Business funding
SBA Financing
SBA-backed financing may be appropriate for established businesses and certain business acquisitions, expansions, working capital needs, equipment purchases, eligible commercial real estate, refinancing of eligible business debt, and other qualified business purposes.
TK Capital Solutions is not the SBA or a government agency and does not guarantee approval. SBA programs are administered through participating lenders.
Common uses
Where SBA financing may fit
Approximately 650+
A general personal-credit guideline for SBA financing — a guideline, not a cutoff.
Credit score alone does not determine approval
Depending on the lender and program, underwriting can also review business revenue, profitability, cash flow, existing debt, time in business, business bank statements, tax returns, financial statements, personal credit, and other supporting documentation. Requirements vary by lender and program.
Documentation
Commonly requested documents
Because SBA financing usually involves more underwriting than many other products, lenders commonly request a fuller financial picture. The checklist below covers commonly requested documents — not requirements for every SBA transaction.
- —Business tax returns
- —Personal tax returns
- —Year-to-date Profit & Loss statement
- —Balance Sheet
- —Business bank statements
- —Personal Financial Statement
- —Business debt schedule
- —Business formation documents
- —Ownership information
- —Government-issued identification
- —Business plan, when applicable
- —Financial projections, when applicable
- —Purchase agreement for acquisitions, when applicable
- —Equipment list, when applicable
- —Lease information, when applicable
- —Commercial real estate information, when applicable
- —Additional SBA or lender-specific documentation
Requirements vary by lender and program. Subject to lender underwriting and approval.
Education
Learn before you apply
What lenders actually look at
Credit, time in business, revenue, documentation, and the age of any negative marks: the factors behind most funding decisions.
How SBA financing works
Government-backed loans for established businesses: larger amounts and longer terms in exchange for a fuller file and a longer timeline.
Common questions
SBA financing, answered plainly
What is SBA financing?
SBA financing refers to loan programs backed by the U.S. Small Business Administration and administered through participating lenders. Because a portion of the loan is government-backed, these programs can offer longer-term financing solutions for qualifying businesses and eligible projects. TK Capital Solutions is not the SBA or a government agency and does not guarantee approval — eligibility, terms, and approval are determined by the SBA's program rules and each participating lender's underwriting.
Why does SBA financing require more documentation?
SBA financing usually involves more underwriting than many other products, because both the participating lender's standards and SBA program requirements apply. That generally means a fuller financial picture — tax returns, financial statements, and supporting documents relevant to the specific transaction. Not every document applies to every SBA transaction; requirements vary by lender and program.
How long does SBA financing take?
It varies by lender, program, and transaction. SBA financing generally involves more underwriting than lighter-documentation products, so it typically takes longer — but we don't promise timelines. Once we understand your transaction, we can walk you through what to generally expect.
Considering an acquisition or expansion?
Tell us about the project and we’ll walk you through whether SBA financing may fit.
TK Capital Solutions is not a lender, is not the SBA, and is not a government agency. The guidelines on this page are general guidelines only — not guaranteed lender approval requirements. Requirements vary by lender and program. All funding is subject to lender underwriting and approval.