SafeSpay connects U.S. small and mid-sized businesses with term loans, SBA 7(a) and SBA 504 financing, lines of credit and more, plus the payment tools to keep cash flowing.
Fixed payments, clear terms and real long-term capital. We match you with the right product and the right lender for where your business is going.
A lump sum of capital repaid over a set term with fixed, predictable payments. Ideal for expansion, hiring, inventory, marketing or refinancing more expensive debt.
The SBA's flagship program: government-backed loans with long terms and some of the lowest rates available to small businesses.
Long-term, fixed-rate financing for owner-occupied buildings and heavy equipment, often with as little as 10% down.
Streamlined SBA loans up to $500K with an accelerated review. Great as a revolving line or quick term loan.
Draw what you need, when you need it, and pay interest only on what you use. Revolving as you repay.
Specialty financing and payment infrastructure under one roof.
Financing for commercial and investment property purchases: bridge, fix-and-flip, DSCR and long-term options.
Explore real estate loans →Finance vehicles, machinery and technology. The equipment itself often serves as collateral.
Learn more →Replace expensive short-term debt with a lower-cost term or SBA loan and one manageable monthly payment.
Learn more →Turn unpaid invoices into immediate cash instead of waiting 30, 60 or 90 days for customers to pay.
Learn more →Short-term capital to cover the gap while a long-term SBA loan or property deal closes.
Learn more →Stock up ahead of busy seasons or large orders without draining your operating cash.
Learn more →Buy an existing business, franchise or a partner's share with structured long-term financing.
Learn more →Revenue-based funding when speed matters most, with approvals in hours and funds in as little as 24–72 hours.
Learn more →Competitive, transparent rates for card-present, online and keyed transactions. Next-day deposits available.
Get a rate review →Modern point-of-sale hardware and software for retail, restaurants and service businesses, with inventory and reporting.
Find your POS →Online payments, invoicing, recurring billing, ACH and mobile payments, integrated with the tools you already use.
Talk to a specialist →Fill out a short online application. No obligation and no hard credit pull to start.
Upload bank statements and basic financials securely. Your advisor tells you exactly what's needed.
Your dedicated advisor presents the best offers from our funder network.
Accept your offer and receive funds directly in your business account.
We work with a network of direct funders and SBA lenders, so you don't have to shop your business around. One application, multiple options, one advisor in your corner.
We look at your revenue, goals and timeline and steer you toward the lowest-cost option you qualify for, not just the easiest sale.
One point of contact from first call to funding and beyond.
We explain the rate, total cost and payment schedule before you sign anything.
We know the SBA process and help you prepare a complete, lender-ready package so your loan closes faster.
| Term Loan | SBA 7(a) | Line of Credit | |
|---|---|---|---|
| Best for | Expansion, projects, refinancing | Long-term growth, real estate, acquisitions | Ongoing cash flow needs |
| Amount | $25K – $5M | Up to $5M | $10K – $1M |
| Terms | 1 – 10 years | Up to 25 years | Revolving |
| Speed | As fast as 2–5 days | Typically 30–90 days | As fast as 1–2 weeks |
| Repayment | Fixed monthly | Fixed monthly | Only on what you draw |
| Paperwork | Moderate | Full documentation package | Moderate |
SBA 7(a) is the U.S. Small Business Administration's primary loan program. Loans are made by participating lenders and partially guaranteed by the SBA, which allows longer terms (up to 25 years for real estate) and lower rates than most conventional business loans. Funds can be used for working capital, equipment, acquisitions, refinancing and real estate.
SBA 7(a) is a flexible, all-purpose loan. SBA 504 is designed specifically for major fixed assets such as owner-occupied commercial real estate and heavy equipment, and offers long-term fixed rates with a low down payment.
Term loans can fund in as little as 2–5 business days after a complete application. SBA loans typically take 30–90 days, and we can arrange bridge financing in the meantime.
Our initial review uses a soft inquiry, which does not affect your credit score. A hard inquiry may be performed later by a lender only when you choose to move forward with a specific offer.
For a term loan: a short application, recent business bank statements, and a valid ID. SBA loans require additional documents such as tax returns, financial statements and a debt schedule. Your advisor will guide you through every item.
Term loans generally require at least 1 year in business and steady monthly revenue. SBA loans typically require 2+ years in business, good credit and documented cash flow.
Yes. Send us a recent processing statement and we'll prepare a free rate analysis showing exactly what you're paying today and how much you could save.
Yes, for businesses that need funds within days or don't yet qualify for a term or SBA loan. An MCA is the purchase of a portion of future receivables, not a loan. Because it typically costs more than traditional financing, we always check whether you qualify for a lower-cost option first.
Tell us a little about your business and a funding advisor will contact you shortly with your options. No cost, no obligation.
