Financing
SBA Financing
Long-term structures for qualifying businesses.
Overview
SBA financing programs are designed to help qualifying businesses access longer repayment terms and structures that may not be available through conventional financing alone. These programs can support a range of objectives, from acquisitions to real estate, for businesses that meet program eligibility requirements.
Common uses
- Business acquisition
- Expansion
- Working capital
- Debt refinancing
- Real estate
How the process works
- 01
Tell us about your business
Complete a short application and provide basic information about your company and financing goals.
- 02
Review available options
Our team evaluates your request and identifies financing structures that may fit your business.
- 03
Move forward
Review your options with an advisor, complete underwriting, and proceed with the structure that works best for your business.
Estimate your payment
Compare 10, 15, 20 and 25-year terms.
Adjust the amount and rate to see how the repayment term shapes your monthly payment and total interest. Longer terms ease monthly cash flow; shorter terms cost less over the life of the loan.
Compare terms
| Term | Monthly | Total interest |
|---|---|---|
| 10 years | $6,470 | $276,385 |
| 15 years | $5,221 | $439,802 |
| 20 years | $4,661 | $618,557 |
| 25 years | $4,368 | $810,545 |
15-year term · estimated monthly payment
$5,221
- Loan amount
- $500,000
- Total interest over term
- $439,802
- Total of payments
- $939,802
A shorter term costs less in total interest but carries a higher monthly payment; a longer term protects cash flow at a higher lifetime cost. Figures are illustrative estimates for planning only, not an offer or commitment to lend.
Explore other financing
Financing availability, amounts, rates, and terms are subject to qualification, underwriting, and lender approval. Kapstone Finance does not guarantee approval, rates, or funding.
Let’s talk about what’s next for your business.
Tell us what you’re looking to accomplish and our team can help you evaluate available financing options.