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Nanotom Capital
SBA Loans

The Longest Terms Available Anywhere.

A federal guarantee lets a lender say yes on terms no conventional product matches — up to $5,000,000, repaid over as long as 25 years, at a rate the SBA caps. The trade is time: this is the one program here that does not fund in days.

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What Is an SBA Loan?

An SBA loan is made by a lender and partly guaranteed by the U.S. Small Business Administration. The agency does not hand over the money; it stands behind a share of it, which lowers the lender’s risk and in exchange lets the SBA set the rules — how long the term can run, how much the lender may charge over the base rate, and who qualifies. The 7(a) program is the general-purpose one and reaches $5,000,000.

Why Choose an SBA Loan

Because nothing else stretches this far. Ten years for working capital and equipment and twenty-five for real estate turn a payment that would strain the business into one it can carry, and the SBA’s cap on the lender’s spread means the rate is not simply whatever the market will bear. It usually asks for less cash down than a conventional loan of the same size.

Quick Stats

Amount
Up to $5,000,000
Term
Up to 10 years, 25 for real estate
Repayment
Fixed monthly
Funding Time
Weeks, not hours
Requirements
SBA eligibility — a for-profit U.S. business, and a trading record

How Does an SBA Loan Work?

You apply through a lender rather than through the agency, and the file is built to the SBA’s standard: business and personal financials, tax returns, a debt schedule and a use of proceeds. The lender underwrites it, the SBA reviews the guarantee, and the loan closes. Expect weeks rather than hours — if the money is needed this week, one of the faster programs on this site is the honest answer, and an advisor will say so.

Compare This Against Our Other Options

Pick another program and the two sit side by side — amounts, terms, what each is good at, and what it costs you to choose it.

Compare against

This program

SBA Loans

Amount
Up to $5,000,000
Term
Up to 10 years, 25 for real estate
Repayment
Fixed monthly
Funding Time
Weeks, not hours
Requirements
SBA eligibility — a for-profit U.S. business, and a trading record

Pros

  • The longest terms available anywhere
  • A cap on what the lender may charge over the base rate
  • Usually less cash down than a conventional loan
  • Large amounts without leaving the small-business market

Cons

  • Weeks to fund, where every other program here takes days
  • The heaviest documentation on this site
  • Eligibility is the SBA’s to set, not ours

Compare against

Working Capital

Amount
$15,000 to $2,000,000
Term
3 to 36 months
Repayment
Daily, weekly or monthly
Funding Time
Same day once your file is complete
Requirements
From 551 FICO® and 30 days in business

Pros

  • Revenue-led underwriting rather than credit-led
  • Payment rhythm matched to your cash cycle
  • Early payoff reduces the interest you pay
  • No open balance left to manage

Cons

  • Short terms mean larger individual payments
  • Daily or weekly schedules need steady receipts
  • Sized against deposits, so a slow quarter caps it
About Working Capital

This program

SBA Loans

Amount
Up to $5,000,000
Term
Up to 10 years, 25 for real estate
Repayment
Fixed monthly
Funding Time
Weeks, not hours
Requirements
SBA eligibility — a for-profit U.S. business, and a trading record

Pros

  • The longest terms available anywhere
  • A cap on what the lender may charge over the base rate
  • Usually less cash down than a conventional loan
  • Large amounts without leaving the small-business market

Cons

  • Weeks to fund, where every other program here takes days
  • The heaviest documentation on this site
  • Eligibility is the SBA’s to set, not ours

Compare against

Line of Credit

Amount
Up to $1,500,000
Term
Up to 36 months
Repayment
Fixed weekly
Funding Time
As soon as the same day
Requirements
From 551 FICO® and 30 days in business

Pros

  • Reusable — repaid credit restores to the limit
  • Interest only on what you draw, no minimum finance charges
  • Unlimited draws and paydowns of $5,000+
  • Early payoff any time, without a fee

Cons

  • An open facility is easier to lean on than a closed one
  • Payments are weekly rather than monthly
  • An approved limit is not a guarantee every draw clears
About Line of Credit

This program

SBA Loans

Amount
Up to $5,000,000
Term
Up to 10 years, 25 for real estate
Repayment
Fixed monthly
Funding Time
Weeks, not hours
Requirements
SBA eligibility — a for-profit U.S. business, and a trading record

Pros

  • The longest terms available anywhere
  • A cap on what the lender may charge over the base rate
  • Usually less cash down than a conventional loan
  • Large amounts without leaving the small-business market

Cons

  • Weeks to fund, where every other program here takes days
  • The heaviest documentation on this site
  • Eligibility is the SBA’s to set, not ours

Compare against

Equipment Financing

Amount
Matched to the invoice
Term
12 to 84 months
Repayment
Fixed monthly
Funding Time
Often within two business days
Requirements
From 551 FICO® and 30 days in business

Pros

  • Self-collateralizing — no blanket lien on other assets
  • Application-only on most requests under $250,000
  • New, used, dealer, private party or auction
  • Most financed equipment is Section 179 eligible

Cons

  • Only pays for equipment, not general spend
  • The asset can be repossessed on default
  • Terms track the asset’s life rather than your preference
About Equipment Financing

This program

SBA Loans

Amount
Up to $5,000,000
Term
Up to 10 years, 25 for real estate
Repayment
Fixed monthly
Funding Time
Weeks, not hours
Requirements
SBA eligibility — a for-profit U.S. business, and a trading record

Pros

  • The longest terms available anywhere
  • A cap on what the lender may charge over the base rate
  • Usually less cash down than a conventional loan
  • Large amounts without leaving the small-business market

Cons

  • Weeks to fund, where every other program here takes days
  • The heaviest documentation on this site
  • Eligibility is the SBA’s to set, not ours

Compare against

Merchant Cash Advance

Amount
$5,000 to $500,000
Term
Typically 3 to 18 months, by volume
Repayment
5% to 20% of daily receipts
Funding Time
Within days
Requirements
From 551 FICO® and 30 days in business

Pros

  • Approval leans on deposits rather than on your credit file
  • The payment falls automatically in a slow week
  • Among the fastest money on this site
  • No fixed schedule to default against

Cons

  • The most expensive option here — compare it against a term loan
  • Priced as a factor rate, which is not comparable to an APR
  • A daily holdback tightens cash flow while it runs
  • Paying it off early saves nothing: the total is fixed
About Merchant Cash Advance

This program

SBA Loans

Amount
Up to $5,000,000
Term
Up to 10 years, 25 for real estate
Repayment
Fixed monthly
Funding Time
Weeks, not hours
Requirements
SBA eligibility — a for-profit U.S. business, and a trading record

Pros

  • The longest terms available anywhere
  • A cap on what the lender may charge over the base rate
  • Usually less cash down than a conventional loan
  • Large amounts without leaving the small-business market

Cons

  • Weeks to fund, where every other program here takes days
  • The heaviest documentation on this site
  • Eligibility is the SBA’s to set, not ours

Compare against

Business Loans

Amount
$15,000 to $5,000,000
Term
3 to 60 months
Repayment
Fixed weekly or monthly
Funding Time
As soon as the same day
Requirements
From 551 FICO® and 30 days in business

Pros

  • One lump sum, at a cost you know before signing
  • Nothing left open to manage once it lands
  • Longer terms than most revenue-led options

Cons

  • The whole balance accrues from day one, spent or not
  • A new need means a new application
  • Larger amounts ask for more documentation
About Business Loans

This program

SBA Loans

Amount
Up to $5,000,000
Term
Up to 10 years, 25 for real estate
Repayment
Fixed monthly
Funding Time
Weeks, not hours
Requirements
SBA eligibility — a for-profit U.S. business, and a trading record

Pros

  • The longest terms available anywhere
  • A cap on what the lender may charge over the base rate
  • Usually less cash down than a conventional loan
  • Large amounts without leaving the small-business market

Cons

  • Weeks to fund, where every other program here takes days
  • The heaviest documentation on this site
  • Eligibility is the SBA’s to set, not ours

Compare against

Inventory Financing

Amount
$25,000 to $1,000,000
Term
3 to 24 months
Repayment
Monthly, timed to the selling season
Funding Time
Within days of the purchase order
Requirements
From 551 FICO® and 30 days in business, plus the stock as security

Pros

  • The stock secures itself — no blanket lien on other assets
  • Take a bulk price instead of buying hand to mouth
  • Repayment timed to when the goods actually sell
  • Revolving facilities restore as you repay

Cons

  • Only as good as the goods: slow-moving stock advances less
  • The lender has a claim on inventory you have not sold yet
  • Not a fit for a business that holds no stock
About Inventory Financing

This program

SBA Loans

Amount
Up to $5,000,000
Term
Up to 10 years, 25 for real estate
Repayment
Fixed monthly
Funding Time
Weeks, not hours
Requirements
SBA eligibility — a for-profit U.S. business, and a trading record

Pros

  • The longest terms available anywhere
  • A cap on what the lender may charge over the base rate
  • Usually less cash down than a conventional loan
  • Large amounts without leaving the small-business market

Cons

  • Weeks to fund, where every other program here takes days
  • The heaviest documentation on this site
  • Eligibility is the SBA’s to set, not ours

Compare against

Receivables Financing

Amount
Set by your receivables, not a fixed limit
Term
Per invoice — typically 30 to 90 days
Repayment
Settled when your customer pays
Funding Time
Within days of the first invoice
Requirements
Commercial invoices to creditworthy business customers

Pros

  • A limit that grows with sales, without a new application
  • Underwritten on your customers’ credit as much as your own
  • Advancing money already owed rather than taking on a loan
  • Fastest route out of a 60- or 90-day payment term

Cons

  • Business-to-business only — consumer sales do not qualify
  • A customer who pays slowly costs you more
  • The funder may contact your customers to verify invoices
About Receivables Financing

This program

SBA Loans

Amount
Up to $5,000,000
Term
Up to 10 years, 25 for real estate
Repayment
Fixed monthly
Funding Time
Weeks, not hours
Requirements
SBA eligibility — a for-profit U.S. business, and a trading record

Pros

  • The longest terms available anywhere
  • A cap on what the lender may charge over the base rate
  • Usually less cash down than a conventional loan
  • Large amounts without leaving the small-business market

Cons

  • Weeks to fund, where every other program here takes days
  • The heaviest documentation on this site
  • Eligibility is the SBA’s to set, not ours

Compare against

Bridge Loans

Amount
$50,000 to $5,000,000
Term
3 to 24 months
Repayment
Interest-only, balance at exit
Funding Time
Days, not weeks
Requirements
An asset as security and a dated, credible exit

Pros

  • Closes in days, where a conventional facility takes weeks
  • Interest-only keeps the monthly cost down while it runs
  • Sized against the asset rather than only trading history
  • Designed to be retired, not carried

Cons

  • Costs more per month than the long-term facility it bridges
  • Needs a real, dated exit — not an intention
  • An asset is at risk if that exit does not arrive
About Bridge Loans
How It Works

Funding That Moves At Your Speed.

Three Steps To Funding Your Future

  1. Complete the application.

    Answer a few questions about your business — it takes minutes — and an in-house loan advisor will call to talk through what you need.

  2. Get a decision.

    Your advisor comes back with the options you actually qualify for, often the same day, and helps you weigh them side by side.

  3. Receive your funds.

    Sign your contract and the money can land as soon as the same day — yours to put to work at whatever pace the business needs.

Get Funded
Use of Funds

What Can You Do With Funding From Nanotom Capital?

  • Purchase inventory
  • Cover payroll
  • Expand or renovate
  • Launch marketing campaigns
  • Stabilize cash flow
  • Upgrade equipment
  • Hire more employees
  • Consolidate business debt
Testimonials

What Others Are Saying

View All Testimonials

  • Imran A.

    Apex Logistics Group

    5 out of 5

    Our experience was positive. We appreciated the transparency on costs and the no-collateral requirement. Overall, they delivered on what they promised. Got $75k in less than a week.

  • Shelly R.

    Midtown Craft Coffee

    4 out of 5

    Application process was easy and the rep (I think her name was Morgan?) was super helpful. Took a bit longer than I expected to finalize (4 days instead of 2), but in the end it worked out. Might try again if terms improve.

  • Jared P.

    JP Woodworks

    5 out of 5

    Fast, no BS. Got funded in like 36 hrs. Helped me cover payroll during a slow week. Would reccomend.

  • Carlos D.

    Co-founder - Fenix Automotive Services

    5 out of 5

    At first I was a bit skeptical—too many funding companies out there making big promises. But these guys actually delivered. The rate was a little higher than I hoped but no hidden fees and very straight forward process.

  • Tina M.

    Owner - Bayleaf Boutique

    5 out of 5

    Honestly, didn’t know what to expect but this company came thru in a big way. We were short on cashflow before a big inventory push and they got us approved fast. Funds hit the next morning. Super grateful and def using them again.

FAQ

Frequently Asked Questions

  • What is online business financing?

    Capital your business applies for and receives through a digital lender rather than a bank branch. It covers structures like small business loans, lines of credit and revenue advances. The application, the document upload and the funding all happen online, which is why a decision comes back in hours rather than weeks.

  • How does online business financing work?

    You submit an online application, an in-house loan advisor reviews your business and talks through what you actually need, and a decision comes back — often the same day. Once you accept an offer and sign, funds can land as soon as that same day. Nanotom Capital looks at your revenue, your time in business and your cash flow rather than at a credit score alone.

  • How fast can I get funded?

    Decisions often come back the same day once your documentation is in, and funds can land as soon as the day you sign. Timelines vary by program and by how quickly you can get documents to us.

  • What credit score do I need?

    Nanotom Capital works with businesses from a 551 personal FICO® score. A stronger score opens up more options, but credit is only one input — revenue consistency, time in business and overall cash flow all count, and some programs still work for businesses with less-than-perfect credit. Below 551, the DIY programs are built to get you back to approval-ready.

  • Will applying affect my credit score?

    No. Applications are reviewed with a soft credit check, which does not affect your credit score. There is no cost to apply and no obligation to accept an offer.

  • What can I use the funds for?

    Essentially any business purpose: payroll, inventory, equipment, renovations, marketing, expansion, or bridging the gap between invoicing and getting paid. Nanotom Capital does not restrict how you spread the capital across the business.

  • What do I need to apply?

    Nothing, to start. The first step is just a form — nothing to gather and nothing to upload, and it is enough for our team to review. Start the intake form. For a full application we will need proof of identity, your last three bank statements, and a signed merchant authorization.