Traditional SBA

Larger SBA loans built for serious growth

When your business needs more capital than a Fast Track loan can offer, a Traditional SBA loan provides higher loan amounts with the same predictable structure — ideal for expansion, acquisitions, or major working capital needs.

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$350,000 – $5,000,000

Loan amount range

Funding speed4–8 weeks

Term length10 years

Starting rate9.25%*

Prepayment penaltyNone

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Why choose a Traditional SBA loan

Traditional SBA loans support larger funding needs than Fast Track Express, making them well suited for business acquisitions, major equipment purchases, partner buyouts, or significant expansion projects.

The trade-off for higher loan amounts is a longer underwriting timeline — typically 4 to 8 weeks — but you still get the same predictable monthly payments and no prepayment penalty.

What's included

Loan amounts up to $5,000,000
Monthly payments with no prepayment penalty
10-year term for manageable cash flow
Matched with an SBA-preferred lender from our network
Dedicated SmartBridge advisor throughout the process

Eligibility

Is a Traditional SBA loan right for your business?

Time in business

Typically requires at least 2–3 years of operating history with consistent revenue.

Credit profile

Stronger credit and financial documentation are generally expected for larger amounts.

Use of funds

Well suited for acquisitions, major equipment, expansion, or refinancing existing debt.

Ready to see what you qualify for?

Get a free, no-obligation consultation with a SmartBridge funding advisor.

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