The United States Small Business Administration has created 3 different programs for new and small businesses across America. This enables a business to go through what is called an SBA program to find a solution that fits, rather than going through the traditional and typically long drawn out banking process. With the government agreeing to cover a majority of the SBA lending institutions, funding is easily approved to aid these small businesses. SBA Loans provide some of the best rates and longest terms in small business lending.