As comprehensive as all that sounds, SBA financing isn't limited to the 7(a) group of loans. The Microloan Program is administered by nonprofit intermediaries that will often walk you through writing your business plan and taking inventory of your business skills. "Micro" means less than $25,000 and a carries a fairly short term, although maturity terms vary, as do interest rates. Microloans take little time to process--often less than a week. The greatest advantage of the microloan is that it can be easier to get than a loan from a commercial bank. The only downside is that the Microloan Program isn't available in all regions.