SBA Loans

"Did you know applying for an SBA 7(a) small business loan through M2C Capital is fast and easy. Learn about rates fees and apply for your loan today."

SBA Loan Interest Rates

Loans offered through the marketplace have a variable interest rate based on the Prime Rate, plus 2.75% to 3.75% depending on the size of the loan.

Working Capital and Debt Refinance loans between $30,000 and $50,000 have a variable interest rate currently at 8% (Prime Rate + 3.75%)

Working Capital and Debt Refinance loans between $50,000 and $350,000 have a variable interest rate currently at 7% (Prime Rate + 2.75%)

Commercial Real Estate loans between $500,000 and $5,000,000 have a variable interest rate currently at 5.75% (Prime Rate + 1.50%)

The current Prime Rate, determined by market conditions and set by the Federal Reserve Board, is 4.25%.

On top of this base rate, lenders can charge additional interest rates, subject to the caps set by the SBA.

SBA Amounts & Terms

There are also several fees associated with SBA loans: some are charged directly by the SBA, while others are charged by lenders or agents to cover the costs of making and processing the loans. Like the interest rate, the SBA regulates what is the maximum that can be charged. Because of these regulations, an SBA Loan is the better option for funding your business.

SBA Fees for Working Capital and Debt Refinance Loans. The SBA guarantee fee is waived for all 7(a) loans under $125,000

Fees for Working Capital Loans:

For SBA working capital loans between $125,001 to $150,000 the SBA fee is 2% of the guaranteed portion of the loan OR 1.7% of the loan balance.

For loans of $150,001 to $700,000, the fee is 3% of the guaranteed portion OR 2.25% of loan balance.

For loans of $700,001 to $5,000,000, the fee is 3.5% of the guaranteed portion up to $1,000,000 plus 3.75% of the guaranteed portion over $1,000,000.

The SBA offers veterans a 50% discount on guarantee fees.

When you choose to work with M2C Capital to apply for an SBA loan, you appoint us and our partner lenders as your referral and packaging agent. This means we can help you assemble and complete all the appropriate documents to apply for these loans and then refer your application to one of our preferred SBA lending banks who is most likely to approve your particular business.

"SBA Loans take a longer to approve and fund so don't delay apply now. For quicker response times call (678) 826-9622 after applying online"

Fees for Commercial Real Estate Loans:

SBA 7(a) commercial real estate loans up to $5 million have a guarantee fee paid to the SBA between 3% and 3.75% depending on the loan amount.

For loans of $500,000 to $700,000 the fees are 3% of the guaranteed portion OR 2.25% of loan balance.

For loans of $700,001 to $5,000,000: 3.5% of the guaranteed portion up to $1,000,000 plus 3.75% of the guaranteed portion over $1,000,000.

Our SBA Loan partners charge a one-time referral fee of no more than 2% of the loan amount and a one-time packaging fee of no more than 2% of the loan amount for working capital and debt refinance loans.