When it comes to SBA loans for startup businesses there is really only one of the 3 SBA programs that is a possible option for Startups to secure an SBA loan.
SBA loans are not actually made to businesses by the small business administration, but rather they are given by banks and/or credit unions who actually lend the money, but SBA will guarantee a portion of the loan, typically from 75 to 90% of the loan.
Since SBA assumes much of the risk, the qualifying criteria is difficult for most startups to qualify for. SBA seems to admit this by adding “startup” funding options to their site like suggesting entrepreneurs secure money from family and friends as well as participate in crowdfunding their business.
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