SBA 7(a)
Up to $5M
- Working capital, at scale and on long terms
- Refinance expensive debt into one lower payment
- Buy a business or buy out a partner
- Fund expansion, hiring, and inventory in one facility
SBA 7(a) & 504 · All 50 States
SBA loans up to $5 million for American small businesses
All American SBA arranges 7(a) and 504 loans — plus eleven more financing products — through a national network of lending partners. One application, multiple lender offers. No fee to apply.
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States we arrange funding in
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Funding products under one roof
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Decisions in as little as
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Credit impact to check your options
The flagship
Two SBA programs. One is built for your next move.
Government-guaranteed loans carry the longest terms and lowest payments in small-business finance. The catch is the paperwork — and that part is our job, not yours.
SBA 504
Up to $5M
- Buy the building instead of renting it forever
- Heavy machinery and long-life equipment
- Long-term fixed rates — payment certainty for decades
- Down payments as low as 10% on qualifying projects
Not sure which program fits? You don’t have to be. Submit one application and an advisor matches your use case to 7(a), 504, or a faster product — and tells you why.
Full arsenal
Twelve financing products, $5K to $5M
SBA is the flagship — but the right tool depends on how fast you need capital and what it’s for. Every product below runs through the same single application.
SBA Loans — 7(a) & 504
Up to $5Mamount
1–4 wksto funding
The gold standard: government-guaranteed capital with the longest terms and lowest payments available to a small business.
Check my SBA eligibilityWorking Capital / MCA
Up to $500Kamount
24–48 hrsto funding
Merchant cash advance judged on your deposits, not your credit score. The fastest wire on this page.
Get a same-week optionRevenue-Based Financing
Up to $1Mamount
1–2 daysto funding
Capital sized to your monthly receipts, with remittances that flex as your revenue does.
Match funding to revenueBusiness Term Loans
Up to $5Mamount
3–7 daysto funding
A fixed amount, a fixed schedule, a known payoff date — bank-style structure without the bank-style wait.
Price a term loanBusiness Line of Credit
Up to $250Kamount
1–3 daysto funding
Standing capital you draw only when needed and pay interest on only what you use. Payroll insurance, effectively.
Open a credit lineEquipment Financing
Up to $2Mamount
2–5 daysto funding
The machine collateralizes itself — trucks, medical devices, kitchen lines, CNC. New or used.
Finance equipmentMCA Consolidation
Up to $2Mamount
3–5 daysto funding
Roll multiple daily-payment advances into one structure with one payment — and give your cash flow room to breathe.
Consolidate my advancesCommercial Real Estate
Up to $5Mamount
2–4 wksto funding
Purchase, refinance, or cash-out on the property your business runs from — own the ground you stand on.
Finance a propertyInvoice / P.O. Financing
Up to $1Mamount
1–2 daysto funding
Turn unpaid invoices and incoming purchase orders into working cash instead of waiting 30, 60, or 90 days.
Unlock my receivablesBusiness Credit Cards
Up to $150K0% intro options
1–2 wksto approval
Credit lines with 0% intro options that separate business spend from personal and build your business credit file.
Build card capacityBusiness-Purpose HELOC
Up to $500Kamount
2–3 wksto funding
Put home equity to work for the business — a revolving line at rates unsecured products can’t touch.
Tap my equityCredit Repair
Serviceengagement
Ongoingtimeline
A disciplined program to clean up the file, raise the score, and unlock the products above at better terms.
Start the repair planThe bar to clear
Qualification minimums, stated plainly
No mystery underwriting. Here is the honest floor for each product family — meet it and your file is in the fight.
Working Capital / MCA
- 500+ FICO
- 6+ months in business
- $10K+ in monthly revenue
Term Loans & SBA
- 650+ FICO
- 2+ years in business
Documents to start: 3–4 months of business bank statements and a one-page application. That’s the whole opening file.
Flight plan
From application to wire in six steps
No branch visits, no voicemail purgatory. A person owns your file from the first minute.
Apply in minutes
One short page, no documents required to start. Faster than a coffee run.
Soft-pull review
A funding advisor reviews your numbers with a soft credit pull only — zero impact on your score.
Compare offers
Multiple lenders compete on your file. You see amounts, rates, and terms side by side, in writing.
Approval
Often the same business day on fast products. Your advisor walks you through exactly what you’re signing.
Funding
Capital lands in as little as 24 hours. SBA files close on their own thorough timeline — 1–4 weeks.
Grow
Deploy the capital. Your advisor stays on the file for the next round, the refinance, or the upgrade.
Why us
Built for American business owners — not for the bank’s convenience
A single bank can only say yes or no to its own product. A brokerage makes the market come to you: one file, multiple funding partners, competing terms — and an advisor whose job is telling you the truth about all of them.
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Lenders compete for your fileOne application is shopped across a network of funding partners — leverage a single bank can’t offer.
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All 50 states, one standardFrom Miami to Anchorage, the same process, the same advisor model, the same $5K–$5M range.
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Soft pull. Zero score damage.Checking your options is free of credit consequences — a hard inquiry happens only if you accept an offer that requires one.
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No fee, no obligation, no pressureApplying costs nothing. Every offer is in writing. If today’s answer is “not yet,” we say so and tell you what changes it.
Who we fund
The industries that keep the country running
If your business makes, moves, feeds, heals, builds, or sells — there’s a product on our menu shaped for your cash-flow reality.
Construction
Medical
Restaurants
Retail
Transportation
Manufacturing
Beyond capital
Business services that hold the line
Funding wins the battle; operations win the war. The same advisor desk can square away the back office.
Payment Processing
Bookkeeping
Payroll
Advisory
Straight answers
Questions owners actually ask
How fast can my business actually be funded?
Decisions come back in as little as 24 hours. Working capital can wire in 24–48 hours, credit lines in 1–3 days, term loans in 3–7 days, and SBA loans — the most paperwork-heavy product on the menu — in 1–4 weeks. Tell your advisor the deadline and we work the product that meets it.
Will checking my options affect my credit?
No. Checking your options starts with a soft credit pull, which never touches your score. A hard inquiry happens only if you accept a specific offer whose funding partner requires one — and your advisor flags that step clearly before it occurs.
What are the minimum qualifications?
For working capital and merchant cash advance: a 500+ FICO, six or more months in business, and $10,000 or more in monthly revenue. Term loans and SBA loans set a higher bar: a 650+ FICO and two or more years in business. Tell us where you stand and we will map the products you clear today.
What documents do I need to apply?
Three to four months of business bank statements and a one-page application — that is the full starting file. If the offer you choose needs more, as SBA files do, your advisor assembles and packages it with you instead of leaving you a checklist.
How does repayment work?
It depends on the product you choose. Working capital and revenue-based financing typically remit daily or weekly from business receipts; term loans, SBA loans, and equipment financing carry fixed periodic payments; a line of credit charges you only on what you draw. Every offer states its amounts, terms, and payment schedule in writing before you sign.
Is All American SBA the lender?
No — and that works in your favor. All American SBA is a financing brokerage. Funding is arranged through a network of financing partners, and every offer is subject to that partner's underwriting. One application puts multiple lenders in competition for your file rather than you pleading with one bank.
What can I use the funds for?
Business purposes, broadly: payroll, inventory, equipment, buying or improving commercial property, refinancing or consolidating debt, marketing, expansion, or working capital through a slow season. Some products are purpose-built — equipment financing buys equipment, commercial real estate loans buy property — and your advisor matches the product to the mission.
Apply once. See your options within 24 hours.
Five minutes, one page, soft pull only. An American funding advisor takes it from there.