There are no lenders that offer a fixed rate SBA business loan because SBA's fixed rate loan program is only for real estate backed loan. The SBA 7A program which is for non-real estate business acquisitions are variable rate loans. They are available as 10 year fully amortizing loans but they do not have a pre-payment penalty so you can pay them off early or refinance to a non-SBA loan at a later date. Book a call with me if you need more SBA info or want to discuss other lending options.