Business loans

Small business loans.
Funded in days. Not months.

Up to $50,000 with a SBA 7(a) small loan.
Approved-in house. No branch visit. Online application.³
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Getting started
by being prepared.

Accessing collateral‑free working capital begins with being prepared. At 2UFi, our simple, guided process helps you move forward with confidence. Review the readiness checklist before you apply to make sure you have what you need.
  • Business formation documents
  • EIN letters (IRS Form SS-4)
  • DBA/trade name registration, if applicable
  • Certificate of Good Standing, if incorporated
  • 6 months of bank statements
  • Business license
  • Year end financial statement
Questions? Our team is here to help you get ready for success.

Flexible use of funds.

Rent, Payroll, Utilities, Office Supplies, Marketing, Advertising, and other normal operating expenses.

Competitive, predictable rates.

SBA 7(a) small loans offer some of the lowest interest rates for small business long-term working capital.

Faster, more guided process.

Traditional lending can feel slow and confusing. Our streamlined process removes unnecessary friction while keeping expert guidance at every step—so you’re never left guessing what comes next.

Working Capital
program benefits.

SBA 7(a) small loans are one of the most powerful financing tools available to small businesses. At 2UFi, we’ve reimagined the SBA experience—combining the strength of government‑backed lending with a faster, more transparent, and more human process.

Move faster.
The 2UFi way.

If you’re looking for flexible working capital, long‑term stability, and a smarter alternative to traditional bank lending, an SBA 7(a) small loan through 2UFi may be the right fit.

In-house SBA approval

We approve SBA 7(a) small loans internally. That’s how we move in days, not months.

Up to $50K

Working capital sized for real operating businesses.

No branch visits

No paper. No in-person appointments. No collateral guessing games.

Frequently asked questions

Everything you need to know about 2UFi small business loans.

If your business is growing, you need to preserve capital for reinvestment. 2UFi allows you to easily apply for an SBA 7(a) small loan, which offers both lower down payments and longer terms than conventional loans. You can track your application and access funds directly in your 2UFi Business Suite.

2UFi allows businesses to easily apply, track, and access funds for an SBA 7(a) small loan to use for working capital through the U.S. Small Business Administration's 7(a) loan program and Bank of Jackson Hole Trust, an SBA-preferred lender and Member FDIC bank.

Yes, 2UFi allows you to easily apply for an SBA 7(a) working capital loan, track its progress, and access your funds directly in your spending account.

SBA stands for U.S. Small Business Administration, a government agency that provides support and resources for entrepreneurs and small businesses.

Yes, it's free and easy to apply for a loan through 2UFi's platform. There are no application fees.

Creating your 2UFi Passport makes the process easy. We may also need business formation documents, EIN letters (IRS Form SS-4), business license, DBA/trade name registration if applicable, and Certificate of Good Standing if incorporated.

Yes, we use bank-level encryption, multi-factor authentication, and regular monitoring to keep your data safe.

Even better together

Your Business Spending (checking²) account
connects seamlessly with the rest of 2UFi.

Savings account

Earn 4.00% APY¹ automatically. Excess funds sweep to savings each night and return each morning.

Explore savings

Money movement

Send payments fast — ACH, wires, and bill pay from one account. No branch visit required.

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Debit cards

You set the limits — change it, lock it, or cancel it instantly from the app.

Explore cards

Clear terms. Faster funding.

Get up to $50,000 in SBA-backed working capital.

Apply Now

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