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For example, an online lender that specializes in SBA loans may cap its variable APR around %, while major online small-business lenders that don't offer SBA loans have loans with APRs as high as 99%.

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SBA 7(a) loans are the most common type of SBA loan and can be used for a variety of purposes. They’re a good option for long-term financing and have maximum loan limits of up to $5 million.

With these types of small-business financing, there may be some type of security required, but it isn’t cash or another physical asset you have to offer. For example, with invoice financing ...