The lowest-cost capital available — SBA-backed.
Government-guaranteed SBA loans through our partner lenders. Lower APR, longer terms, and structured for businesses ready to invest in long-term growth.
The lowest-cost commercial capital available, backed by the SBA.
SBA loans are the best-priced commercial debt on the market: APR typically below 12%, terms from 10 to 25 years, and structured for businesses ready to invest in long-term growth.
Higher documentation bar — but our SBA specialists walk you through every form and stay ahead of every underwriting question.
Funding tailored to your business needs
Our sba loan offers rapid, transparent financing to fuel your strategic goals.
APR typically below 12%
SBA-backed loans are the lowest-cost commercial capital available. Long-term amortization keeps monthly payments manageable.
10 to 25 year terms
Match your repayment to the useful life of what you’re buying. Real estate? 25 years. Equipment? 10. Working capital? 7.
Specialist support on the docs
SBA loans have a higher documentation bar. A dedicated North Lending SBA specialist walks you through each form and gathers what underwriters actually need.
7(a), 504, and Express options
We work with every major SBA program. 7(a) for general purpose, 504 for owner-occupied real estate, Express for $500K and under with faster processing.
North Lending agrees to provide loan products. You can trust transparency in every interaction.
We do not charge hidden fees or penalties. All terms disclosed upfront with full APR breakdown before signing.
Your data is processed in accordance with our privacy policy. Bank-level encryption applies at rest and in transit.
By accepting, you agree to repayment terms in the schedule attached, no daily debits.
Just
transparency
Businesses succeed with North Lending
“North Lending got us through SBA in six weeks — half what our bank quoted. The specialist knew every form by heart and stayed ahead of every underwriting question.”
“If you are a business that is looking for funding, I would recommend that you reach out to North Lending. It is so much easier, so much faster, and more of a partner with your business.”
“It was fast. It was easy. We had the kind of personalized service from a financing lender that we'd never experienced before.”
A transparent approach to business funding
North Lending's portal gives you complete visibility and control over your funding options. No hidden terms — just clear choices designed for your business.
Pre-qualify in two minutes
A quick online intake confirms whether SBA is the right fit. We screen for time-in-business, revenue, and credit thresholds before we ask for docs.
Start ApplicationDocument checklist, organized for you
Your portal shows exactly which forms and statements underwriters need. Upload, get marked complete, move forward — no email chains.
See your offersSBA specialist drives the process
A dedicated advisor handles lender selection, underwriting questions, and the SBA-side review. You focus on running the business; we drive the loan.
Talk to an advisorClose and fund — typically 4–8 weeks
SBA timelines are longer than alternative lending, but predictable. We project a close date at week one and hit it.
Get fundedSBA Loan
FAQs
Quick answers on rates, structure, and timing. Still have a question? Talk to a specialist.
- The SBA guarantees a portion of the loan to the lender, which lowers the lender’s risk and therefore the rate. That guarantee is what makes APRs under 12% possible.
- Typically 4–8 weeks for a standard 7(a). Express loans can close in 2–3 weeks. The North Lending specialist drives the timeline; you’ll have a projected close date in week one.
- Generally: 2+ years in business, demonstrated profitability or strong growth, owner with 680+ personal credit, and Canadian operations. We pre-screen so you know if you qualify before spending time on docs.
- Yes — SBA 504 is specifically designed for owner-occupied commercial real estate, with terms up to 25 years and as little as 10% down.
- Some SBA loans have a declining 3-year prepayment penalty (5%/3%/1%). Most working-capital SBA loans have no penalty. Your specialist will flag this upfront on every offer.
Why are SBA loans cheaper than other options?+
How long does an SBA loan take to close?+
What do I need to qualify?+
Can SBA loans be used for real estate?+
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Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.