SBA Pre-Qualification
Complete the questionnaire below to determine your eligibility for SBA financing. A lending specialist will review your answers and contact you within 24 hours.
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Tell us a bit about you and your business.
What Do I Need to Qualify for an SBA Loan?
SBA loan eligibility depends on several factors including your business type, time in operation, annual revenue, credit score, and the purpose of the loan. Generally, you need to operate a for-profit business in the United States, meet SBA size standards, and demonstrate the ability to repay the loan from business cash flow.
Our pre-qualification form collects the key data points lenders need to make an initial assessment. There is no cost and no obligation — we simply review your information and let you know which programs you may be eligible for.
How Long Does Pre-Qualification Take?
The pre-qualification form above takes about 10 minutes to complete. Once submitted, a 3A Lending specialist reviews your information and contacts you within 24 hours with a pre-qualification decision. This is not a credit check and does not affect your credit score. If you pre-qualify, we will guide you through the next steps of the full application process, including documentation requirements and lender matching.
What SBA Loan Programs Can I Pre-Qualify For?
Through 3A Lending, you can pre-qualify for multiple SBA and commercial financing programs:
- SBA 504 Loans — For commercial real estate and major equipment, with as little as 10% down and fixed rates.
- SBA 7(a) Loans — Versatile financing up to $5M for working capital, equipment, real estate, and acquisitions.
- Equipment Financing — Fast approval for essential business equipment with up to 100% financing.
- Business Lines of Credit — Flexible working capital from $25K to $500K.
- Commercial Real Estate Loans — Purchase, refinance, or improve commercial properties.
- Business Acquisition Loans — Finance the purchase of an existing business or franchise.
What Happens After I Pre-Qualify?
After pre-qualification, your dedicated 3A Lending specialist will walk you through the full application process. This includes gathering required documentation (tax returns, financial statements, business plan), matching you with the best lender for your situation, and supporting you through underwriting and closing. Most loans close within 30-90 days depending on the program and complexity.