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Loan application forms, digital dashboards, and handshake closing a business deal Top 5 Loan Types for Small Business Owners in 2025: What Works Best in a High-Rate Economy As interest rates remain elevated in 2025, small business owners are reassessing how to fund operations, scale growth, or cover shortfalls. Choosing the right loan type is no longer just about approval speed—it's about long-term ROI, flexibility, and risk management. 1. SBA 7(a) Loans Still a top choice for small businesses, SBA 7(a) loans offer competitive interest rates and government backing. They are ideal for businesses with good credit and long-term growth plans. 2. Equipment Financing This option allows business owners to finance the purchase of machinery or vehicles without impacting cash flow. The equipment itself often serves as collateral, reducing approval barriers. 3. Business Lines of Credit Highly flexible and revolving, lines of credit are perfect for handling seasonal cash gaps or unpr...

Top 5 Loan Types for Small Business Owners in 2025 Starting a small business in 2025? Understanding your financing options is crucial for long-term success. Small business loans can provide the funding you need to expand operations, hire staff, or cover unexpected expenses. Here are the top 5 loan types for small business owners to consider: SBA Loans: SBA loans are often the best choice for small businesses due to their low-interest rates and long repayment terms. The Small Business Administration offers several types of SBA loans, including 7(a) loans and 504 loans. These loans can help with working capital, purchasing equipment, and more. Learn more about SBA loans in our business loan guide . Microloans: Microloans are small loans typically offered by nonprofit organizations. They are ideal for startups and small businesses that need small amounts of capital (usually under $50,000). Microloans can be used for a variety of purposes, such as inventory purchases and business ...