$250,000 Business Loan
5 to 10 years · Moderate to high — DSCR 1.25x+ and credit 680+ qualifies
At this size
A $250,000 business loan is the threshold where SBA 7(a) becomes the cheapest option for most operators. At this size, the lower rate and longer amortization of a 7(a) loan typically beats a conventional term loan by 30–40% on total cost.
Best products for a $250,000 loan
SBA 7(a) Loans
The flagship SBA program for established U.S. businesses — up to $5M.
Term Loans
Strategic capital that scales with your P&L — not your daily sales volume.
Equipment Financing
Asset-backed financing for machinery, vehicles, and capital equipment — up to 100% LTV.
Typical uses
- →Partner buyout (small)
- →Equipment package for new location
- →Practice acquisition (small healthcare)
- →Major working capital deployment
Other loan amounts
Apply for $250,000.
Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.