Loan Programs > Small Business

Small Business

Ready Capital, the #4 SBA Preferred Lender in the United States, offers SBA 7(a) and USDA Business & Industry (B&I) financing for small business owners. 

About Ready Capital

Who we are

Ready Capital is your trusted lender for small business loans nationwide, including SBA 7(a) and USDA B&I loans—closing deals that other lenders can’t and working with a range of credit scores and financing challenges.

Loans for small and mid-sized businesses, up to $10MM
The #4 SBA Preferred Lender in the United States
Delivered over $1.6B in capital for businesses nationwide

experience the ready capital difference

Our products

SBA 7(a) Loans

Loan amounts $350,000 to $7,000,000*

*Loans between $5 million and $7 million financed with Pari Passu loans. Loans under $500,000 financed through our iBusiness technology platform. These loans are made pursuant to the SBA 7(a) Small Balance and Express programs. Loan terms vary by loan program, borrower eligibility, loan amount, and other factors.

USDA (B&I) Loans

Loan amounts $1,000,000 to $25,000,000

Our target markets

Veterans Loans

Loan amounts $350,000 to $7,000,000 with packaging fees waived

Strategic Alliances

Partnering with banks, ABLs, lending advisors, RIAs, and financial services firms for client borrowing needs

LenderAI: Our technology differentiator

Our self-service origination technology platform with an easy-to-use suite of tools that streamline the broker and borrower experience

Delivered through our iBusiness software and service provider and available to financial institutions as:

  • Software as a Service (SaaS)
  • Lender Service Provider (LaaS)
  • Referral lending platform

Fully digital solution supported by live, U.S.-based customer service

Web-based, automated loan origination (processing, underwriting, credit, closing)

AI driven, issuing immediate terms and approvals

Interactive customer processing portal for:

  • Application status
  • Outstanding items and actions
  • Live chats

For more information on our technology solution, visit

Meet the Team

Featured Industries

All industries We Finance

Get Started

Apply for a Ready Capital small business loan

Click the appropriate loan amount to start the application process. It takes less than 3 minutes and will not affect your credit score.