How SBA Loan Marketplace Works, Step by Step
Getting matched with the right SBA lender takes minutes, not weeks. Here's exactly what happens from the moment you submit your information to the day your loan is funded.
1. Tell Us About Your Business
Share basic details about your business, how much funding you need, and what it's for. Takes about 3 minutes and does not affect your credit score.
2. Get Matched With Lenders
Our marketplace instantly compares your profile against our network of SBA-approved and alternative lenders to identify the best-fit matches.
3. Compare Your Offers Side by Side
Review real rate, term, and payment estimates from multiple lenders in one place, so you can see exactly what each offer costs before deciding.
4. Choose an Offer and Get Funded
Select the lender and terms that work best for you, complete final underwriting with that lender directly, and receive your funds, often within days for working capital, or a few weeks for SBA-backed loans.
Common Questions About the Process
Will checking my rate affect my credit score?
No. Getting matched with lenders uses a soft credit check that does not impact your credit score. A hard credit check only happens if you choose to move forward with a specific lender's full application.How long does it take to get matched?
Most business owners see lender matches within minutes of submitting their information. Comparing and choosing an offer typically takes a few days, depending on how quickly you respond to lender requests.What documents will I need?
Requirements vary by lender and loan type, but most requests include basic business financials, bank statements, and a short description of how you'll use the funds. We'll tell you exactly what your matched lenders need before you apply.How fast can I actually get funded?
Working capital and short-term loans can fund in as little as a few days. SBA-backed loans typically take a few weeks due to additional underwriting steps required by the SBA.Is there a cost to use SBA Loan Marketplace?
No. Comparing offers through our marketplace is free. Lenders may charge their own fees as part of a final loan agreement, which will always be disclosed before you accept.
Ready to See Your Loan Offers?
Get matched with SBA-approved lenders in minutes, no cost to apply, no impact to your credit score.