SBA Loans — Lower Rates, Longer Terms, Government-Backed Security
ORP Group helps you navigate SBA 7(a), Express, and Microloan programs from application to funding. One application, no hard credit pull, and a dedicated specialist guiding you every step.
Check Your SBA Eligibility — It's FreeNo credit score impact • Free Fundability Consultation included
SBA Opens the Floodgates: Fee Waivers + 90% Guarantees for American Manufacturers
The SBA has combined two powerful programs to make capital cheaper and easier to access for U.S. manufacturers — whether you're expanding a facility, investing in automation, reshoring production, or hiring more American workers.
Waived Guarantee Fees (through Sept 30, 2026)
- Upfront SBA guarantee fees waived (0%) on 7(a) loans up to $950,000 for eligible manufacturers
- For 504 loans, both the upfront guarantee fee and annual service fee are waived
- Potential savings of thousands of dollars upfront
Increased Loan Guarantee to 90%
- Enhanced International Trade Loan (ITL) under the Made in America initiative
- SBA now provides a 90% federal guarantee on qualifying manufacturer loans
- Drops lender risk from 25% down to just 10% — banks far more likely to approve
Which Manufacturers Qualify?
These incentives apply to businesses in NAICS sectors 31–33 (Manufacturing) — virtually the entire manufacturing landscape:
- Food & Beverage Processing
- Textile & Apparel Manufacturing
- Printing & Publishing
- Petroleum Refining
- Chemical Manufacturing
- Plastics & Rubber Products
- Nonmetallic Mineral Processing
- Primary & Fabricated Metal Products
- Pharmaceutical & Medicine Manufacturing
- Computer & Electronic Products
- Aerospace & Defense Components
- Furniture Manufacturing
- Wood Products & Paper Manufacturing
- Ship & Boat Building
- Breweries & Distilleries
And many more — if your business falls under manufacturing NAICS codes, you're likely eligible.
What You Can Do With This Financing
Purchase or expand facilities
Buy that building across the street or build new production space.
Invest in automation and equipment
Upgrade machinery to boost efficiency and competitiveness.
Vertically integrate your supply chain
Bring more production in-house and reduce foreign dependencies.
Hire and scale
Add staff, increase output, and grow your team of American workers.
Why This Matters Now
Small manufacturers make up 98% of all U.S. manufacturers. By removing financial barriers, the SBA is helping these businesses lead the charge in reshoring production, strengthening national security, and creating good-paying American jobs.
Lenders are more willing to say "yes" because their risk is significantly reduced. Borrowers save thousands in upfront fees. The fee waivers are available through the end of Fiscal Year 2026 (September 30, 2026) — act soon.
See if you qualify for the manufacturer programSBA Loan Programs
Compare the three main SBA loan programs and find the right fit for your business.
SBA 7(a) Loan
Up to $5,000,000
Terms: Up to 25 years
Rates: 9.75%–13.25% variable / up to 14.75% fixed (June 2026)
- Most versatile SBA loan — working capital, expansion, equipment, real estate, debt refinancing
- Lower down payments than conventional loans (as low as 10%)
- Longer repayment terms mean lower monthly payments
- Available to businesses with 2+ years in operation and strong cash flow
- Government guarantee reduces lender risk, improving approval odds
SBA Express Loan
Up to $500,000
Terms: Up to 10 years (25 for real estate)
Rates: Prime + 4.5%–6.5%
- Fastest SBA loan — approval decisions in as little as 36 hours
- Streamlined application with less paperwork
- Available as a term loan or revolving line of credit
- Great for businesses that need capital quickly with SBA-backed terms
- 50% SBA guarantee
SBA Microloan
Up to $50,000
Terms: Up to 6 years
Rates: 8%–13% (varies by lender)
- Designed for startups and early-stage small businesses
- Use for working capital, inventory, supplies, equipment, or furniture
- Provided through nonprofit community-based lenders
- Often includes free business training and technical assistance
- Ideal for businesses not yet ready for larger SBA programs
Why Apply for SBA Loans Through ORP Group?
One Application, Multiple SBA Lenders
Your single application reaches our entire network of preferred SBA lenders.
No Hard Credit Pull
We use a soft credit check to evaluate your options — your credit score stays protected.
Dedicated Funding Specialist
A real person guides you through the SBA process and handles paperwork.
Free Fundability Consultation
Every applicant receives a complimentary business funding consultation.
SBA Loan FAQs
Ready to See If You Qualify for an SBA Loan?
It takes less than 60 seconds to apply. No fees, no obligations, and no impact to your credit score.
Apply Now — It's Free