Who is eligible for an SBA Fast Track loan through Radix?

The SBA lenders that Radix works with generally require: a business owner with a personal FICO score of 680 or above; a business with annual revenue above $100,000; and, for owners with tax obligations, no tax lien and a current payment plan. There is no business credit score requirement. Other SBA lenders may have different requirements.

The SBA lenders Radix works with do not fund borrowers with unreleased judgments, or businesses operating in industries that are not eligible for SBA funding. Other SBA lenders may have other classifications for ineligibility.

SBA Fast Track Loan Programs

Q: What is the Radix Difference?

Radix works with a curated list of SBA lenders that specialize in processing SBA loans at competitive rates and terms. The lenders we work with are fast, efficient, and dedicated to a high-touch borrower experience. All programs described on this website reflect the programs of the SBA preferred lenders that Radix works with; other SBA lenders could offer their own rates and terms not described here.

Q: What are the loan terms?

Loan amount: $25,000-$350,000. Interest rate: rates as low as 9.25%. Loan period: ten-year term and amortization. Closing timeframe: 3-4 weeks. Payment frequency: monthly payments. Prepayment penalty: none. Radix works with multiple SBA lenders, and the above is a general outline of typical terms, which are subject to change.

Q: How much can my business borrow?

Radix can help your business secure $25,000 to $350,000 in 3-4 weeks through SBA lenders that specialize in expedited processing.

Q: Will a lien or personal guarantee be required?

UCC filing on the business: yes - this is standard for all business loans. Personal guarantee: yes - a personal guarantee is required on all SBA loans. Business property lien: most of the preferred lenders Radix works with do not require a lien under $350,000, but this is decided on a case-by-case basis. Personal home lien: most preferred lenders do not require a lien on a personal residence under $350,000, but this is also decided case by case.

Q: Are there any alternative options?

Yes. Radix also offers Traditional SBA 7(a) loans up to $5,000,000, non-SBA term loans for working capital, and a flexible business line of credit. See our other loan program pages for details.

Check Your Eligibility

This Loan is Fast and Simple

Check Your Eligibility

If your credit score is over 680 and your business’ annual revenue is above $100,000, Radix can help facilitate the funding of an SBA loan for your business, in as little as three to four weeks through SBA lenders that specialize in expedited SBA loan processing.

Radix Financial Group

Experts in Securing SBA Funding

With over 10 years of small business loan experience, Radix Financial Group specializes in helping customers access fast-tracked SBA funding via our lending partners. We can help you find a loan program that suits your needs and goals.

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What is an SBA Fast Track loan?

An SBA Fast Track loan is a streamlined version of the SBA 7(a) program for established small businesses that need working capital, debt refinancing, or growth funding — without the timeline of a traditional SBA loan.

Through Radix Financial Group’s preferred-lender network, qualified business owners can secure $25,000 to $350,000 in 3–4 weeks — instead of the 45 to 90 days typical at most banks. Rates start at 9.25% on a 10-year fully amortized term with monthly payments and no prepayment penalty.

To qualify, a business owner generally needs a FICO score of 680 or higher, at least $100,000 in annual revenue, and two years in operation. Prior EIDL or PPP borrowing is not disqualifying, and personal property liens are not always required.

Radix Financial Group has facilitated more than 3,500 SBA loans and over $700 million in funding across all 50 states.

Key facts at a glance

Loan amount$25,000 – $350,000

Interest rateFrom 9.25%

Funding timeline3–4 weeks

Loan term10 years, fixed

Minimum FICO680

Minimum revenue$100,000 / year

Time in business2+ years

Prepayment penaltyNone

Personal guaranteeRequired

Property lien (under $350K)Typically not required

GeographyAll 50 states

Eligible usesWorking capital, debt refi, equipment

Track record$700M+ funded · 3,500+ loans

Get SBA funding in 3-4 weeks!

Our 3 Step Process

Free Consultation

Let our loan experts provide advice on your best path to securing SBA funding.

Submit Documents

Provide Radix with minimal documentation and let us help you apply with the ideal SBA lender to fit your business’s needs

Secure SBA Funding!

Get SBA approval, receive an offer and secure the SBA funding that your business needs.

Frequently Asked Questions

What is the Radix Difference?

Who is eligible?

The SBA lenders that Radix works with require the following:

A business owner with good personal credit (FICO 680 or above)
Business with revenue above $100,000 annually
Business owners who owe taxes with no lien and a current payment plan

Other SBA lenders could have their own requirements

Who is not eligible?

The SBA lenders that Radix works with do not fund the following:

A business or business owner with unreleased judgments
Business types that are not eligible for SBA funding

Other SBA lenders could have other classifications for ineligibility.

What are the loan terms?

Amount: $25,000-$350,000

Interest rate: Rates as low as 9.25%

Loan period: Ten-year term and amortization

Closing timeframe: 3-4 weeks

Payment frequency: Monthly payments

Prepayment penalty: None

Radix works with many SBA lenders, and the above is a basic outline of the loan terms they offer, which are subject to change. Other SBA lenders could offer different rates and terms in accordance with SBA policy.

How much can my business borrow?

Radix can help your business secure $25,000-$350,000 in 3-4 weeks

Will a lien or personal guarantee be required?

UCC filing on the business- Yes (This is standard for all business loans)

Personal guarantee- Yes- a personal guarantee is required on all SBA loans

Business property lien- Most of the preferred lenders that Radix works with do not require a lien under $350,000 but this is a case by case basis.

Personal home lien- Most of the preferred lenders that Radix works with do not require a lien on personal residences under $350,000 but this is decided on a case by case basis.

Are there any alternative options?

Learn more about Traditional SBA, Non SBA Term Loans and our Line of Credit options.

Radix Financial Group and its affiliates are not lenders participating in SBA’s 7(a) loan program. Radix is a marketplace to help business owners obtain SBA 7(a) loans. Said loans are ultimately processed and approved by a lender participant in SBA’s 7(a) loan program.

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