SBA Government Backed Loans are great way to gain low rates as lender is collaterized with the governement's guarantee of payment in the event of default SBA 504c The 504 Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. A Certified Development Company is a nonprofit corporation set up to contribute to the economic development of its community. CDCs work with the SBA and private-sector lenders to provide financing to small businesses.

• Rates based upon prime interest rate
• Adjustable rate with caps available
• Business acquisition loans with or without real estate
• Financing and refinancing
• Amoritizations up to 25 years
  

SBA 7(a) loans are the most basic and most used type loan of SBA's business loan programs. Its name comes from section 7(a) of the Small Business Act, which authorizes the Agency to provide business loans to American small businesses.

• Rate based on prime or T-Bill rates
• Loans from 500k to 4 million