SBA Loans.
Simplified by AI.
Answer a few questions, upload your documents, and find out what you qualify for — all in one sitting. No banker meetings required.
$350K–$5M
Loan Amounts
0 yr
Terms Available
Minutes
To Pre-Qualify
$0
Upfront Cost to You
How much am I eligible for?
Plug in your numbers and see where you stand — takes 10 seconds.
$500,000
Est. payment: $6,470/mo
Your eligibility
Enter your net income to get started
See what you qualify for,
step by step.
Our AI reads your financials, checks your eligibility, and tells you exactly where you stand — before you ever talk to a bank.
Can My Business Handle the Payments?
Lenders want to know one thing: can you afford the loan? Our AI looks at your income, expenses, and existing debt to give you a clear answer — and shows you exactly how much room you have.
Just Upload — We Do the Rest.
Tax returns, bank statements, profit & loss — just drag and drop. Our AI reads through everything, pulls out the key numbers, and organizes it all so you don't have to. No manual data entry, no spreadsheets.
AI detected $180K in owner add-backs across 3 documents
Global Cash Flow
$632,000
Max Borrowing Power
~$2.8M
How Much Can I Actually Borrow?
Your tax returns don't always tell the full story. We factor in owner salary, one-time expenses, and other adjustments that lenders look for — giving you a realistic picture of how much funding you can get.
Do I Qualify? Get a Clear Answer.
We check your credit, time in business, revenue, and other key factors against what SBA lenders actually require. You get a simple yes/no with clear explanations — so you know exactly where you stand before applying.
What Will My Payments Actually Be?
See your estimated monthly payment, fees, down payment, and loan terms — all laid out clearly before you commit to anything. No surprises at closing.
Walk In With Everything the Bank Needs.
We generate a complete loan package — financial summaries, eligibility reports, and projections — formatted exactly how lenders expect to see it. You look prepared and professional from day one.
Cash_Flow_Model.xlsx
Global cash flow + DSCR
Pre_Qualification_Report.docx
Executive underwriting summary
SBA_Prescreen_Summary.pdf
Eligibility & fee breakdown
Why business owners choose SBA 7(a).
Lower Down Payments
As low as 10% down — compared to 20-30% with conventional loans. Keep more cash in your business.
Longer Terms
Up to 25 years for real estate, 10 for equipment. Lower monthly payments mean better cash flow.
Competitive Rates
Rates are capped by the SBA, so you're protected from predatory pricing. Currently around 9-10%.
Flexible Use
Buy property, equipment, inventory, refinance debt, acquire a business, or fund working capital — all with one loan.
Why AI Loan Advisors?
We built this specifically for business owners applying for SBA loans — not bankers, not brokers.
Pre-qualification in under 5 minutes
Answer a few questions, upload your documents, and our AI instantly evaluates your eligibility. No scheduling calls, no waiting days for a callback — just a clear answer, fast.
Bank-level AES-256 encryption
Every document you upload is encrypted with AES-256-GCM before it ever touches our servers. Your tax returns, financial statements, and personal data stay private and secure — always.
No hidden fees or obligations
Our platform is completely free to use. No application fees, no broker commitments, and no obligation to proceed. Get your pre-qualification results and decide if it's right for you — on your own terms.
How It Works
From questions to pre-qualification in minutes — no banker meetings required.
Answer a few questions
Tell us about your business and loan needs
Upload your documents
Tax returns, financial statements, and more
Get pre-qualified
AI analyzes your financials in minutes
Connect with a lender
We match you with SBA-approved lenders
Traditional SBA Process vs AI Loan Advisors
See exactly why thousands of business owners choose AI Loan Advisors over the traditional path.
Traditional Bank
AI Loan Advisors
Timeline
Upfront Cost
Document Review
Pre-qualification
Transparency
Real results for real businesses
Hear from small business owners who got pre-qualified using AI Loan Advisors.
“I'd been putting off the SBA loan process for months because I thought it would take forever. With AI Loan Advisors, I uploaded my tax returns on a Tuesday night and had my pre-qualification results by Wednesday morning. It was shockingly fast.”
Maria S.
Restaurant Owner
“As a first-time borrower, I had no idea what DSCR meant or what documents I needed. The platform walked me through everything clearly. I felt confident going to the bank because I already knew I qualified.”
James T.
HVAC Contractor
“We were expanding our second location and needed $1.2M in SBA financing. The AI analysis caught an owner add-back we had missed, which actually improved our DSCR enough to qualify. Couldn't have done this without them.”
Angela R.
Retail Store Owner
Frequently Asked Questions
Find quick answers to the most common questions about SBA 7(a) loans.