The 2025 government shutdown has paused SBA loan approvals, leaving many business owners unsure where to turn for funding. This guide explains what’s happening, how long the disruption could last, and—most importantly—where small businesses can still access working capital, equipment financing, and lines of credit while federal programs remain on hold.

The return of 100% bonus depreciation lets business owners fully deduct equipment costs in 2025. Learn how to maximize tax savings with smart financing.

As of October 1, 2025, the United States government has shut down. This means the Small Business Administration is currently closed, and most activities have been suspended or delayed.

Alternative financing is a great way of securing fast and easy funds for your business, but depending on who you are borrowing from, there could be fees attached. There are a variety of fees that could be applied to the type of funding you are trying to secure.