How It Works
SBA loans offer affordable, long-term funding through lenders approved by the U.S. Small Business Administration. These loans are partially guaranteed by the government, which makes them lower risk for lenders and more accessible to qualified businesses.With lower interest rates and extended repayment terms, SBA loans are ideal for major business investments that drive long-term growth.
Inventory
Prepare for large purchase orders or seasonal volume by financing high-volume stock orders.
Expansion
Open a new location, increase your headcount, or scale your infrastructure with predictable financing.
Equipment
Invest in expensive equipment or technology without the cash drain—fund it affordably over years.
Marketing
Fund major campaigns, rebrands, or new market entries that have longer timelines to ROI.
Real Estate
Purchase, renovate, or refinance commercial property with long repayment terms & favorable rates.
Debt Refinancing
Replace high-interest loans or consolidate multiple debts into a single, more affordable monthly payment.
Rennovation
Upgrade your office, storefront, or production facility to improve operations and customer experience.
Hiring
Use capital to bring on new roles and support team growth before revenue from expansion kicks in.
Acquisitions
Acquire another business, buy out a partner, or finance a franchise purchase with long-term capital.
Financing Project Growth with Inventory
A manufacturing firm landed a large distribution contract but needed inventory upfront. They unlocked $500,000 in working capital by leveraging warehouse stock and filled the order ahead of schedule.
Turning Invoices into Expansion Capital
A logistics company with $2M in receivables factored $1.2M through an ABL facility to hire drivers and expand routes. As new invoices came in, they drew more, fueling growth without outside equity.
Is This Right for You?
SBA loans aren’t for fast cash, but they’re perfect for established businesses with strong fundamentals and big plans. If you’re thinking long-term and want to borrow on the best terms available, this could be the ideal solution.
You’ve been in business 2+ years
SBA lenders look for maturity and track record. Two years in business with steady operations is the typical starting point.
You have strong financials
If you can show consistent revenue, manageable debt, and healthy margins, SBA lenders will take interest.
You want low interest rates and long terms
Compared to other business financing options, SBA loans offer the lowest rates and longest repayment timelines.
Loan Details
SBA loans are powerful, but they require the right partner to navigate the process. Here's what to expect when working with Capital Two:
$50,000 – $5M+
As low as 6%
2–8 weeks
Often required
Up to 25 years
Why Us
The Benefits of Choosing Capital Two
Capital Two isn’t just fast. We’re built for business owners who need a partner, not just a lender. We offer transparent terms, real support, and funding solutions designed to meet you where you are and get you where you’re going.
Fast Approvals
You don’t have weeks to wait. We deliver funding decisions in as little as 24 hours, so you can act fast when it counts.
Flexible Solutions
No two businesses are alike. That’s why our financing options are tailored to your needs - not stuck in a template.
Dedicated Support
When you reach out, you get real people. Funding experts who listen, guide, and stick with you from start to funded.
Specialized Focus
We do one thing and that’s business funding. Our laser focus is the reason why we do it better: with insight, precision, and zero distractions.
