SBA Loans are fully amortized for the length of the term ranging from 7 to 25 years depending on the use of the loan. No balloon payments at the end of the term. And up to 90% financing meaning only a 10% down payment is required by the borrower. SBA Loans are guaranteed by the government therefore providing the market with extremely competitive rates for small business loans up to $5,000,000. These small business loans can be used for commercial real estate purchases, working capital, as well as other uses sanctioned by the government.