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SBA loans are guaranteed in part by the government and designed to help new businesses get started. Their many benefits include a lower down payment (as low as 10 percent), longer repayment terms (20-25 years), and competitive fixed and variable rates. The key to an expedited loan process is to work with a Preferred SBA Lender who has been given the authority to make loan decisions on behalf of the government and can move you through the loan process quickly and efficiently.