SBA 7(a) and Express loans from $50K to $5M. 10–25 year terms at prime + 2.75% to 4.75% — the lowest-cost business capital available anywhere. We handle the SBA paperwork, you handle the business.
Established borrowers (2+ years, 680+ FICO) who can wait 30–45 days for the lowest-cost capital available anywhere.
Owner-occupied commercial real estate up to 90% LTV.
Buy a business or buy out a partner. 10-year amortization.
Long-term equipment financing at SBA rates.
Consolidate higher-cost debt at much lower SBA rates.
10-year amortization on operating capital. Rare and valuable.
Fund a buildout or renovation with 25-year real estate financing.
Most operators in our credit box meet these baselines. Apply for a no-impact offer to see your real terms — qualifying is not the same as approval, and approval depends on your full file.
Minimum operating history.
Minimum verifiable revenue.
Personal guarantor minimum.
No 40-page packets. Connect your bank, get a real offer from a real human, accept and fund.
Connect your bank or upload statements. Soft pull only.
Underwriter reviews your file. Most offers in 2–4 hours.
Sign and ACH or wire hits your account same or next day.
See your offer in 4 minutes — soft pull, no impact, no commitment.
SBA loans are originated through our partner network of FDIC-insured banks and SBA-approved lenders. Circle handles your application, advises on structure, and serves as your single point of contact through funding and servicing. Pricing and approval terms are determined by the originating partner.