Who is eligible for a Traditional SBA loan through Radix?

To qualify, a business owner generally needs a personal FICO score of 680 or higher. There is no business credit score requirement. Other SBA lenders may have additional 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.

Traditional SBA Loans

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: $350,000 to $5,000,000. Interest rate: starts at 9% (Prime + margin). Loan period: 10-year term and amortization for working-capital loans (up to 25 years for real estate). Closing timeframe: 5 to 9 weeks. Smaller loans under $350,000 close in as fast as 3 weeks through the SBA Fast Track Express program. Payment frequency: monthly. Prepayment penalty: none (on terms under 15 years).

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 - required for all SBA loans. Business property lien: most preferred lenders do not require a lien under $500,000, but this is decided case by case. Personal home lien: most preferred lenders do not require a lien on a personal residence under $500,000, also decided case by case.

Q: What can I use the funds for?

Working capital, debt refinancing, equipment purchase, business acquisition, owner-occupied commercial real estate purchase or refinance, leasehold improvements, and other eligible business uses under the SBA 7(a) program.

Q: Are there any alternative options?

Yes. For loan amounts of $25,000 to $350,000, Radix offers the SBA Fast Track Express program with closings as fast as 3 weeks. Radix also offers non-SBA term loans for working capital and a flexible business line of credit. See our other loan program pages for details.

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Larger SBA Term Loans

Check Your Eligibility

If your credit score is over 650 and your business is profitable, Radix can help your company obtain an SBA term loan based on your credit and profitability.

Whether you are looking to purchase property on a 25 year term, refinance and consolidate debt, or borrow working capital, Radix can help match you with the best SBA preferred lender for your business’ needs.

*Please note that all rates, terms, programs and credit requirements annotated on this website describe the guidelines of the specific SBA lenders that Radix Financial Group works with and does not reflect SBA guidelines in general.

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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Get a free SBA Loan consultation

What is a Traditional SBA 7(a) loan?

A Traditional SBA 7(a) loan is the SBA’s flagship lending program for established small businesses that need larger capital amounts for working capital, debt refinancing, business acquisition, equipment, or commercial real estate — with the SBA’s longest terms and most flexible use cases.

Through Radix Financial Group’s preferred-lender network, qualified business owners can secure $350,000 to $5,000,000 with rates starting at 9% on a 10-year fully amortized term, monthly payments, and no prepayment penalty. Closing timelines run 5 to 9 weeks, with smaller loans under $350,000 closing as fast as 3 weeks.

To qualify, a business owner generally needs a FICO score of 680 or higher.

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$350,000 – $5,000,000

Interest rateFrom 9%

Loan term10 years (25 yr for real estate)

Closing timeframe5 – 9 weeks

Under $350K closingAs fast as 3 weeks

Minimum FICO680

Payment frequencyMonthly

Prepayment penaltyNone (under 15-yr term)

Personal guaranteeRequired (all SBA loans)

Property lien (under $500K)Typically not required

GeographyAll 50 states

Eligible usesWorking capital, debt refi, acquisition, CRE

Smaller loan optionSBA Fast Track Express ($25K-$350K)

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

Get SBA funding in 5-9 weeks!

Our 3 Step Process

Free Consultation

Apply and let our loan experts provide advice on your best path to securing SBA funding.

Submit Documents

Provide Radix with minimal documents and let us apply for SBA funding on your behalf while matching you with the perfect lender for your 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:

Minimum personal credit of FICO 680
Business Revenue above $100,000

Who is not eligible

Who is Not eligible?

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

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

What are the loan terms?

Amount: $350,000- $5,000,000

Interest rate: 2.75% + Prime (currently 11.25%)

Loan period: Ten-year term and amortization

Closing timeframe:

$150,000 and below: 2-3 weeks. Can be even faster though our SBA Express Program.

$150,000-$350,000 and under: 3-4 weeks

$350,000 and above: 4-9 weeks

Payment frequency: Monthly payments

Prepayment penalty: None

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 for all SBA loans

Business property lien- Most of our preferred lenders funding under $500,000 do not require a lien- but this is a case by case basis. Above $500,000 will usually take a lien if there is equity.

Personal home lien-

Most of our preferred lenders funding under $500,000 do not require a lien- but this is a case by case basis. Above $500,000 will usually take a lien if there is equity.

What can I use the funds for?

General working capital
Purchasing inventory
Buying an Owner Occupied Property
Hiring employees
Refinancing business debt
Debt Consolidation
Marketing
Any other SBA eligible uses

Are there any alternative options?

Not enough profitability? Try our SBA Express Loan.

Don’t want an SBA Loan? Try our Line of Credit or Term Loan.

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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