Most common
SBA 7(a)
Up to $5M
Working capital, business acquisition, partner buyouts, debt refinance, or expansion. Terms up to 10 years (25 with real estate).
See 7(a) detailsSBA loans, minus the paperwork nightmare.
Tell us about your business. We prepare your SBA loan file, take it to the lenders we work with, and bring you the offers to compare. Loans from $50,000 to $5 million.
See if I qualify
No credit pull · free · ~10 min
How it works
Stop guessing. Start comparing.
One application puts your deal in front of the SBA lenders most likely to fund it, instead of you calling banks one at a time.
Answer a few questions
Tell us about the business and your goal. Takes about ten minutes — no credit pull, no fee, no obligation.
We package & shop it
An advisor builds your SBA file the way underwriting wants it, then matches it to the SBA lenders that actively fund deals like yours.
You compare & choose
See the lenders' actual terms — rate, fees, covenants — side by side. You pick the offer. We stay on it through closing.
A network built to place your file
We shop your deal so you don't have to.
40+SBA-approved lenders in network
$5MMaximum 7(a) loan amount
25 yrsTerms up to, for real estate
$0Fee & no credit pull at intake
The programs
Which SBA loan fits your plan.
Real estate
SBA 504
Up to $5.5M
Owner-occupied commercial real estate and major equipment. Long fixed-style terms and as little as 10% down.
See 504 details
Starter
SBA Microloan
Up to $50k
Right-sized first financing for newer or smaller businesses — inventory, equipment, or working capital.
See Microloan detailsToday's SBA loans
What SBA pricing looks like right now.
ProgramIllustrative rateMax amountTerm up to
Illustrative ranges for general guidance only — not an offer. Actual SBA rates, terms, and eligibility are set by the lender within SBA limits.
Why it gets approved
Real people read your file — people who used to sit on the other side.
A thin or mis-packaged application is the number-one reason a fundable deal dies in underwriting. That's the part we own for you.
- Former SBA lenders and underwriters build your package.
- We clear the issues a credit committee would flag — before they see it.
- We place you with lenders that actively want your type of deal.
4.8 out of 5
· based on 600+ funded small businesses
"Our own bank had sat on the file for two months. Keystone repackaged it, moved it to an SBA lender that wanted the deal, and we closed in weeks."
Dana R.Machine shop · $1.8M 7(a)
"They ran the numbers honestly before we committed to anything. A 504 let us buy our building with 10% down — at a payment close to our old rent."
Marcus T.Restaurant group · $2.3M 504
"First-time buyer, limited down payment. They structured the acquisition so I kept my savings and gave up no equity. I own the practice now."
Sofia L.Dental practice · $1.25M 7(a)
Do you qualify
Most healthy small businesses are closer than they think.
SBA eligibility is broader than people expect. The clearest signals a deal is fundable:
- A for-profit U.S. business, owner-operated.
- Generally 2+ years operating (strong acquisitions and startups can work too).
- Reasonable owner credit; no recent bankruptcies or federal debt defaults.
- A clear, legitimate use of funds — purchase, expand, refinance, equip.
- Cash flow that can service the payment.
"We finally own the building."
Our rent kept climbing. A 504 let us buy our space with 10% down at a payment close to what we were renting for. Keystone ran the numbers before we committed to anything.
Owner-occupied real estate · $2.3M SBA 504
Find out what you qualify for.
The eligibility check is short and won't touch your credit. If an SBA loan fits, we'll start packaging it and shopping your offers. If it doesn't, we'll tell you what does.