Flexible, Government-Backed Loans for Small Businesses
SBA Loans – Flexible, Low-Interest Business Loans Backed by the Government
Up to $5 Million in Small Business Funding with Low Rates & Long-Term Repayment Options
What is an SBA Loan?
SBA loans are government-backed business loans designed to help small businesses secure funding with lower interest rates and longer repayment terms than traditional bank loans.
Whether you need working capital, equipment financing, or real estate funding, AetherStax helps business owners navigate the SBA loan process to secure the best possible financing for growth.
Loan Amounts Up to $5 Million
Access the capital you need for business growth.
Low Interest Rates
SBA loans offer some of the lowest rates available.
Longer Repayment Terms
Enjoy terms of up to 25 years, making payments more manageable.
Low Down Payments
Keep more cash in your business with reduced upfront costs.
Flexible Use of Funds
Finance real estate, equipment, inventory, expansion, debt refinancing, and more.
Great for Startups & Growing Businesses
Ideal for new and established businesses looking for affordable financing.
AetherStax makes the SBA loan process simple, guiding you from application to funding.
What is an SBA Loan?
SBA Loan Benefits
Why Choose an SBA Loan?
SBA loans are government-backed business loans designed to help small businesses secure funding with lower interest rates and longer repayment terms than traditional bank loans.
Whether you need working capital, equipment financing, or real estate funding, AetherStax helps business owners navigate the SBA loan process to secure the best possible financing for growth.
AetherStax makes the SBA loan process simple, guiding you from application to funding.
Loan Amounts Up to $5 Million
Access the capital you need for business growth.
Low Interest Rates
SBA loans offer some of the lowest rates available.
Longer Repayment Terms
Enjoy terms of up to 25 years, making payments more manageable.
Low Down Payments
Keep more cash in your business with reduced upfront costs.
Flexible Use of Funds
Finance real estate, equipment, inventory, expansion, debt refinancing, and more.
Great for Startups & Growing Businesses
Ideal for new and established businesses looking for affordable financing.
SBA Loan Options – Find the Right Loan for Your Business
SBA 7(a) Loans – Versatile Business Financing
The most common SBA loan, the 7(a) loan provides flexible funding for working capital, equipment, business acquisitions, and more.
✔ Loan amounts up to $5 million
✔ Terms up to 25 years for real estate, 10 years for other uses
✔ Ideal for expansion, equipment, and operational needs
SBA 504 Loans – Real Estate & Equipment Financing
Designed for large asset purchases, SBA 504 loans offer fixed-rate financing for real estate, construction, and heavy equipment.
✔ Loan amounts up to $5.5 million
✔ Terms up to 25 years
✔ Low down payment (typically 10%)
SBA Microloans – Small Business & Startup Funding
Perfect for startups and small businesses, SBA Microloans provide smaller amounts for inventory, working capital, and equipment.
✔ Loan amounts up to $50,000
✔ Shorter repayment terms (up to 6 years)
✔ Great for early-stage businesses
Who Qualifies for an SBA Loan?
SBA loans are available to most U.S. businesses that meet the following criteria:
✔ Operate as a for-profit business
✔ Have a strong business plan & financials
✔ Meet Small Biz Admin’s size requirements
✔ Demonstrate the ability to repay the loan
✔ Show other financing options are included first
How to Apply for an SBA Loan with AetherStax
Navigating SBA loans can be complex—but we make it simple.
1️⃣ Pre-Qualify Online – Submit basic business details to see your eligibility.
2️⃣ We Guide You Through the Process – Our experts help with paperwork & lender matching.
3️⃣ Get Approved Faster – We streamline your loan application to avoid delays.
4️⃣ Receive Your Funding – Once approved, funds are disbursed quickly to help your business grow.
AetherStax takes the stress out of SBA financing—so you can focus on your business.
Frequently Asked Questions (FAQ)
How long does it take to get an SBA loan?
Approval timelines vary, but most SBA loans take 30-60 days from application to funding.
What is the interest rate on SBA loans?
Rates vary based on loan type and lender, but SBA loan rates are typically lower than conventional loans.
Do I need collateral to qualify?
Collateral requirements depend on the loan type and lender, but SBA loans generally offer more flexible terms than traditional financing.
Can I use an SBA loan to refinance business debt?
Yes! SBA loans can be used to consolidate and refinance existing high-interest business debt.
Do startups qualify for SBA loans?
Yes, SBA loans are great for startups, especially SBA Microloans and SBA 7(a) loans.