Securing funds to get a small business started or keep a floundering small business afloat can be a challenge if you turn to traditional lenders — especially if you don’t have a stellar credit report.

Current SBA loan rates range from around 6.17% to 15.50%, depending on the type of SBA loan and the lender. The SBA rate cap limits the interest rate a lender can charge. Qualify for better SBA loan ...