SBA funding for internet businesses

searcher profile

October 08, 2025

by a searcher from Babson College - F.W. Olin Graduate School in Chapel Hill, NC, USA

Can anyway provide insight into whether banks will do SBA loans on internet businesses? I imagine it might vary by type (ecommerce, digital goods, saas, online distributor, etc), so any detailed breakdown would be great. I'm considering purchasing an asset-light internet company (think: print on demand), but concerned that without hard assets, it may be harder to get an SBA loan.
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Reply by a lender
from University of Missouri in Denver, CO, USA
I have done many internet based loans. Reach out. Cash flow is key not assets as mentioned above.
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Reply by a searcher
from Emory University in Saugerties, NY, USA
Yes 100%. The SBA 7a loan is a Cash Flow based loan not an asset based loan.
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