Products

SBA Loans

Support your business with government-backed financing designed for long-term growth. Whether you need working capital, equipment financing, commercial real estate, or funds for business expansion, SBA loan programs offer flexible terms and competitive financing options for qualified businesses.

No obligation. Talk to a real advisor.

Flexible Financing

Access funding for working capital, equipment, real estate, and business acquisitions.

Long-Term Repayment

Enjoy repayment terms designed to support your business’s long-term financial goals.

Government-Backed Programs

SBA loans provide financing supported by the U.S. Small Business Administration.

Business Growth

Invest in expansion opportunities while preserving your working capital.

Financing built for growing businesses

Equipment Financing

Merchant Cash Advance

Term Loans

PO Financing

Lines of Credit

SBA Loans

Commercial Real Estate

Invoice Factoring

About SBA Loans

SBA Loans

SBA Loans provide qualified businesses with flexible, government-backed financing for a wide range of business needs. Whether you’re purchasing equipment, acquiring commercial real estate, refinancing existing debt, or securing working capital, SBA financing offers repayment terms and loan structures designed to support long-term business success.

Ultris Capital offers both SBA 7(a) and SBA 504 loan programs, helping businesses choose the financing solution that best aligns with their goals.

SBA Loan Benefits

Government-backed financing built to support business growth.

Financing for multiple business purposes
Competitive repayment structures
Long-term financing options
Support for equipment and real estate purchases
Working capital and business expansion funding
Government-backed lending programs

SBA Loan Programs

Explore Our SBA Loan Options

Ultris Capital offers two SBA loan programs designed to meet different business financing needs. Whether you’re looking for flexible working capital or financing for commercial real estate and major equipment, we’ll help you find the right solution.

SBA 7(a)

Flexible Financing for Growing Businesses

The SBA 7(a) loan program provides financing for a wide range of business purposes, making it one of the most versatile SBA lending solutions.

Eligible Uses

SBA 7(a) Program Highlights

SBA 504

Financing for Commercial Real Estate & Major Equipment

The SBA 504 loan program is designed to help businesses invest in long-term fixed assets that support growth and expansion.

Eligible Uses

SBA 504 Program Highlights

Financing through the CDC of up to $5.5 million
Typically structured with 50% bank financing
40% provided by a Certified Development Company (CDC)
As little as 10% borrower contribution (subject to eligibility)
Long-term fixed interest rates
Available repayment terms of 10, 20, or 25 years

Why Compare Both Programs?

Qualifying Factors

Established Business

Businesses should demonstrate operational stability and financial responsibility.

Business Financials

Financial statements help determine loan eligibility and repayment capacity.

Credit Profile

Credit history is considered as part of the overall application review.

Eligible Business Purpose

Funding should be used for SBA-eligible business purposes such as working capital, equipment, or commercial real estate.

Why Choose SBA Loans

Government-backed financing programs
Long repayment terms for qualified borrowers
Finance working capital, equipment, and commercial real estate
Support business expansion and acquisitions
Refinance eligible existing business debt
Financing solutions tailored to long-term growth

Best For

Established businesses seeking affordable long-term financing for expansion, real estate, equipment purchases, or operational growth.

Challenges with Conventional Business Loans

Higher down payment requirements
Shorter repayment terms
Limited flexibility for business expansion
Larger monthly payment obligations
Financing options may not fit long-term investment goals
Commercial real estate financing can require significant upfront capital

A Smarter Financing Solution

SBA loan programs provide qualified businesses with government-backed financing, longer repayment terms, and flexible funding options designed to support sustainable business growth.

Different

Why choose Ultris

Capital is a tool. We make sure it fits your hand.

Choice

Multiple financing options

One size fits none. We offer a full arsenal of solutions.

Simple

A straightforward process

No smoke. No mirrors. Just a clear path to capital.

Support

Business-focused support

You talk to a person who understands your industry.

Agile

Flexible capital solutions

Structures that bend so your business doesn’t break.

FAQ

SBA Loan FAQs

Can’t find what you’re looking for? Reach out and we’ll walk you through it directly.

What is an SBA Loan?

An SBA Loan is a government-backed business financing program designed to help qualified small businesses access affordable funding through participating lenders.

What is the difference between SBA 7(a) and SBA 504?

SBA 7(a) offers flexible financing for working capital, equipment, business acquisitions, commercial real estate, and refinancing. SBA 504 is designed specifically for purchasing owner-occupied commercial real estate and major fixed assets such as heavy equipment.

What can SBA Loans be used for?

SBA Loans may be used for working capital, purchasing equipment, buying commercial real estate, business acquisitions, refinancing eligible debt, and other approved business purposes.

Who is an SBA Loan best suited for?

SBA Loans are generally best suited for established businesses seeking long-term financing with structured repayment options for growth and expansion.