The U.S. Small Business Administration helps small business owners get funding through SBA loan programs. With their multiple SBA funding programs, this government agency provides SBA loan guarantees of up to 85% of the loan amount provided through an SBA-approved lender. The three main SBA loan programs let you borrow money for nearly any business purpose including working capital, purchasing inventory or equipment, refinancing other debts, or buying real estate through these SBA guaranteed loans.