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Skip the jargon. Tell us what you need — we'll match you to the right SBA loan.
Pick the closest match — you can refine later. Plain language only, no SBA program codes.
Three quick reads — we use these to figure out which programs you're eligible for.
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Some SBA programs are designed for specific groups. Check anything that fits — none are required.
Self-reported — we don't pull credit at this stage.
Based on $175k · equipment purchase · 2-yr business · veteran-owned · good credit.
Flagship program · reduced fees for vets
The most flexible SBA-guaranteed loan. Works for equipment, working capital, real estate, or refinance. Veterans Advantage waives the upfront guaranty fee on loans up to $350,000.
You're not done yet — here's exactly what happens next ↓
Flagship program · fee waiver
Most flexible SBA program. Veterans Advantage waives the upfront guaranty fee.
Up to $2M, 30-yr term, designed for declared-disaster losses like fire. Skips the "can you get credit elsewhere?" test.
7(a) covers $150k inventory + payroll; Community Advantage adds underwriting flexibility for established minority-owned businesses.
Physical Disaster covers structural / inventory loss; EIDL bridges the working-capital gap for the 12 employees while he rebuilds.
Mobile users represent a meaningful entry point for SBA loan discovery — particularly first-generation entrepreneurs, rural business owners, and users like Maria who rely primarily on a smartphone. For these users, the moment of intent often happens away from a desk: a conversation with a banker, a late-night decision after closing shift, a referral from a friend. Capturing that moment with a frictionless, mobile-optimized quiz ensures no potential applicant is excluded at the discovery stage.
The quiz flow — four plain-language questions, no jargon, no document uploads — is ideally suited for mobile. It is cognitively light, visually clean, and completable in under two minutes on any device. The result screen then does something intentional: it gently nudges the user to continue on desktop, acknowledging that the loan application itself involves multi-document uploads, financial form entry, and multi-step review that are simply not efficient on a phone screen. This is not a limitation of the design — it is a deliberate, user-centered decision that respects the user's context.
After completing the quiz and receiving their loan match, the user is shown a results card alongside a clear, friendly prompt: "Ready to apply? Your results have been emailed — finish your application from a computer where you can upload documents comfortably." This one-tap email link preserves the quiz results, loan match, and document checklist so the user never loses progress.
This pattern mirrors proven UX approaches used by TurboTax, Zillow, and USAA — all of which allow mobile-first discovery and intent capture while routing complex, document-heavy tasks to desktop. For a federal loan application involving tax returns, business licenses, and bank statements, this is not just a design preference — it is the appropriate, accessible, and responsible approach to serving the full spectrum of SBA users.
The mobile experience answers Heuristic #2 (Match Real World) — meeting users where they are — while the desktop handoff answers Heuristic #5 (Error Prevention) — reducing the risk of frustrated mid-application abandonment on an inadequate screen.
We found 1 primary match and 1 alternate program for your situation.
| # | Heuristic | Mobile (Quiz) | Desktop (Application) | Design decision |
|---|---|---|---|---|
| H#1 | Visibility of System Status | ✓ Step indicator on every screen | ✓ Progress bar + auto-save | Both channels addressed |
| H#2 | Match Real World | ✓ Plain language, icons, no loan codes | ✓ Tooltips replace jargon | Mobile is where first impression matters most |
| H#3 | User Control & Freedom | ✓ Back always visible, save-by-email | ✓ Save & exit, auto-save | Email handoff is the mobile "save state" |
| H#5 | Error Prevention | ✓ Tap targets only, no free-text | ✓ Inline validation on forms | Mobile avoids error-prone input types entirely |
| H#6 | Recognition Over Recall | ✓ Full-width option cards with icons | ✓ Dropdowns & pre-fill | Both channels use visible options, no free recall |
| H#8 | Aesthetic & Minimalist Design | ✓ One question per screen | ✓ Two-column form layout | Mobile enforces minimalism by constraint |
| H#9 | Error Recovery | ✓ Email handoff if session lost | ✓ Three upload fallbacks | Email handoff is the primary mobile recovery path |
| H#4 | Consistency & Standards | ✓ SBA brand tokens, USWDS patterns | ✓ Same design system | Single design system across both channels |
| H#7 | Flexibility & Efficiency | Intentionally deferred | ✓ Keyboard shortcuts, power-user paths | Mobile prioritizes simplicity over efficiency shortcuts |
| H#10 | Help & Documentation | Minimal — tooltips only | ✓ Full help panel, FAQs, loan officer | Deep help is a desktop concern — mobile keeps it simple |
USWDS-compliant structural exploration — Public Sans + Merriweather, USWDS color tokens (primary, accent-warm, etc.), USWDS step indicator and button patterns. Goal: align on shape and content before hi-fi design or the Lender Match API hookup.
Type: Source Sans Pro (UI / body), Merriweather (display / headlines). Both per SBA brand guide.