Is an SBA loan cheaper?

SBA loans often carry lower costs, but they can take longer and require more documentation. Compare both before deciding.

What do I need to qualify?

At least 6 months in business, about $20,000 or more in average monthly revenue over the last 3 months (shown on business checking statements), and a credit score from 550, sometimes lower. Funding ranges from $5,000 to $5,000,000. Subject to underwriting; not all businesses qualify.

Do you fund start-ups?

No. We do not fund start-ups at this time. If you are under 6 months in business, our /not-yet page explains what to do next.

Can't Wait on an SBA Loan? Compare Your Options with 6 Months in Business

Get Fast Funding does not offer SBA loans. This page compares SBA 7(a) and microloan paths with our terms: $5,000 to $5,000,000, 6 or more months in business, about $20,000 or more in average monthly revenue, credit from 550. Florida and nationwide. We do not fund start-ups.

See what I qualify for →📞 Call (800) 840-6361

Requirements

Subject to underwriting; not all businesses qualify.

Requirement	Minimum	Why it matters
Amount	$5,000–$5,000,000	Program range we review. Larger asks are case by case.
Time in business	6+ months	Start-ups are not funded at this time.
Revenue	About $20,000+/mo average, last 3 months, business checking statements	We verify average deposits on business checking statements.
Credit	550+, sometimes lower	One factor alongside revenue and history — not a guarantee.
Start-ups	Not funded at this time	If you are under 6 months, see /not-yet.
Where	Florida and nationwide	Florida is the home base; we fund businesses across the US.

See what your business qualifies for

About a minute. One specialist reads your file and sends it to the funder that fits, the first time.

Step 1 of 8

How much would help your business right now?

Tap one. You can change it later.

Or type an amount

Free, no obligation. Approval is not guaranteed. Rather talk? (800) 840-6361

This page is a comparison, not an SBA product

We do not originate or package SBA 7(a), 504, or microloans. If SBA is the better fit — lower cost, if you can wait and qualify — choose that path. If you need a faster review or you do not meet SBA rules, our terms may fit.

SBA 7(a) / microloan vs Get Fast Funding

SBA time-in-business and document lists are published by sba.gov. Typical SBA timelines cited in Miles v2: Finder reports 30–90 days; LendingTree notes many 7(a) borrowers need 2+ years in business. GFF cost is “varies by deal, TBD.” GFF terms are only Frank’s published floors: $5,000–$5,000,000, 6+ months, about $20,000+/mo, credit from 550. Sources: https://www.sba.gov/funding-programs/loans, https://www.finder.com/small-business/sba-loan-time, https://www.lendingtree.com/business/sba/.

When SBA is the better choice

SBA loans often carry lower costs. If you can wait, have the documents, and meet the program rules, start with an SBA program. That can be the cheaper path.

When Get Fast Funding may fit better

When you need a decision on a shorter timeline, have 6 months rather than multiple years, or were told you do not meet SBA credit or documentation rules. Checking options here is not an SBA application.

Start-ups

Some SBA programs, like microloans, serve newer businesses. We do not fund start-ups at this time. See /not-yet.

Next step

Start on the qualifier. An advisor calls after you finish.

See what I qualify for →Call (800) 840-6361

Subject to underwriting; not all businesses qualify. Checking your options is not an application for credit.

Last reviewed 2026-10-30

Funding FAQs

No. We are an alternative for established businesses that need funding faster or don't meet SBA requirements.