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SBA & Business Loan Programs

Smart, SBA-backed funding solutions for small businesses and entrepreneurs.

At Scout Lending, we know that strong businesses power strong communities. That’s why we offer a range of SBA & Business Loan Programs designed to support growth, expansion, and long-term success. Whether you’re launching a new venture, acquiring a business, or investing in essential property or equipment, these loans offer favorable terms, low down payments, and accessible pathways to capital. With our guidance, business owners can confidently pursue their next opportunity.

Explore our most popular loan solutions below and find out how you can take the next step with confidence.

Working Capital Loans

Flexible, fast-access financing to power short-term business needs.

At Scout Lending, our Working Capital Loan Program is designed specifically to provide quick, reliable funding to support the day-to-day operational needs of your business. Whether you’re stocking inventory, investing in marketing, managing payroll, or covering seasonal fluctuations, this loan delivers the financial flexibility and speed entrepreneurs need to stay agile.

Why Our Clients Love It:

  • Loan amounts from $50,000 to $150,000 with expedited approval timelines
  • Minimal documentation required; ideal for time-sensitive capital needs
  • Competitive fixed interest rates (typically between 10%–13%)
  • Repayment terms of up to 10 years for manageable monthly payments

Who It’s Best For:

  • Small business owners needing quick funding: Perfect for covering time-sensitive expenses like inventory purchases, unexpected repairs, or seasonal staffing.
  • Entrepreneurs investing in growth: Enables businesses to fund immediate marketing campaigns, equipment upgrades, or expansion initiatives without disrupting cash flow.
  • Companies managing operational gaps: A reliable solution for bridging cash flow between receivables, handling slower sales periods, or preparing for large customer orders.

SBA Express Loans

Quick-turn funding to meet urgent business needs.

SBA Express Loans provide fast access to capital for small businesses that need working capital, equipment, or funds for expansion. With a streamlined application process and approval timelines as short as 36 hours, this program helps owners move forward quickly with amounts up to $500,000. It’s an ideal option for smaller or rapidly evolving businesses that can’t wait weeks for financing.

Why Our Clients Love It:

  • Fast approval timeline (typically within 36 hours)
  • Access to working capital, equipment, or short-term expansion needs
  • Flexible use of funds for a wide variety of business purposes

Who It’s Best For:

  • Entrepreneurs with time-sensitive needs: Business owners dealing with urgent opportunities, such as securing inventory discounts, taking on a sudden influx of clients, or covering payroll during seasonal surges.
  • Small businesses making upgrades: Owners looking to invest in modern technology, refresh branding, or update equipment that can immediately improve customer experience and efficiency.

SBA 7(a) Loans

Flexible funding for growing, buying, or refinancing your business.

The SBA 7(a) Loan is the most commonly used SBA program, and for good reason. It provides business owners with the flexibility to purchase or acquire a business, refinance existing debt, or secure working capital to fuel growth. Additionally, it can be used for purchasing commercial real estate that your business will occupy. With loan amounts up to $5 million, long repayment terms, and low equity requirements, this program is ideal for ambitious entrepreneurs ready to take the next step.

Why Our Clients Love It:

  • Versatile loan uses, including business acquisition, debt refinancing, and working capital
  • Long repayment terms that help ease cash flow burdens
  • Low down payment options that conserve capital for operations and growth

Who It’s Best For:

  • Business owners looking to expand: Entrepreneurs planning to scale operations, increase staffing, or enter new markets. This loan provides the strategic flexibility needed to support growth initiatives without placing strain on day-to-day operations.
  • Entrepreneurs acquiring an existing business: Individuals purchasing a business with a proven track record, looking to benefit from its established systems and customer base while using structured SBA financing to reduce risk.
  • Companies seeking debt relief: Business owners with high-interest loans or credit lines looking to consolidate and refinance for better cash flow and more favorable repayment terms, enabling financial breathing room.
  • Small businesses investing in real estate: Owners seeking to stop renting and build equity by purchasing the property they operate. This investment in their real estate provides long-term stability and asset growth.

SBA 504 Loans

Long-term, fixed-rate financing for major fixed asset purchases.

The SBA 504 Loan program is tailored for business owners who need to invest in significant fixed assets like commercial real estate or high-cost equipment. This loan pairs a Certified Development Company (CDC) with a private lender to offer long-term, fixed-rate financing that promotes business growth and job creation. It is best suited for expansion-focused businesses that want to own their facilities or upgrade operational tools without short-term financial strain.

Why Our Clients Love It:

  • Fixed-rate, long-term structure provides stability and predictability
  • Designed specifically for property and equipment purchases used by the business
  • Lower down payments (as little as 10%) help preserve working capital

Who It’s Best For:

  • Growing businesses buying commercial property: Owners who want to move out of leased spaces and into a property they control. These businesses see the value in long-term equity, location permanence, and customized facilities.
  • Manufacturers or logistics firms needing equipment: Companies expanding production capacity or upgrading equipment to stay competitive and improve efficiency. This loan helps fund tools vital for scaling operations.
  • Entrepreneurs looking for stable, fixed rates: Business owners who prioritize budgeting accuracy and want protection from future interest rate hikes. The fixed-rate nature of the SBA 504 loan ensures predictable monthly payments over time.
  • Businesses seeking capital conservation: Firms that need to make large purchases without tapping too deeply into cash reserves. With a lower down payment, they can retain funds for operational flexibility or unexpected expenses.
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Let’s Make Your Homeownership Goals Happen

Whether you’re ready to start your loan application, have questions about your options, or just want to talk through your financial goals, we’re here for you. Reach out to our team for personalized support and expert guidance every step of the way.

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