Business Funding Guide During the 2025 Government Shutdown
- Capital Infusion
- Oct 13
- 3 min read
TLDR: SBA loans are paused. Here's how business owners can access working capital, equipment financing, and lines of credit in the meantime.
The 2025 government shutdown has left many small business owners in a bind — especially those counting on SBA loans to fund growth, manage cash flow, or invest in equipment. If you're wondering where to turn for funding while key government functions are paused, you're not alone.
At Capital Infusion, we've helped businesses navigate federal funding disruptions before, and we're here to ensure your operations don't skip a beat. This guide breaks down your funding options and what to expect in the weeks ahead.
Can I Get an SBA Loan During the Government Shutdown?
As of mid-October 2025, SBA 7(a) and 504 programs remain paused — meaning new approvals and disbursements are on hold. If your business was mid-process, you're likely facing delays of several weeks.
The reality: SBA-backed funding is effectively frozen until Congress passes a funding bill and the SBA resumes operations. Even applications already in the pipeline are stuck.
Where Can I Get Business Funding While the SBA is Shut Down?
Unlike banks or SBA programs, Capital Infusion's underwriting is private — so we're still funding businesses nationwide, even during the shutdown. Here are your best alternatives:
1. Working Capital Loans
Perfect for: Covering payroll, inventory, and operating expenses
Get $10,000 to $500,000 in working capital within 24-48 hours. Our streamlined application process means you can secure funding while others wait weeks for SBA approval.
2. Business Lines of Credit
Perfect for: Flexible, on-demand funding
Acts like a safety net for your business — draw funds only when needed, pay interest only on what you use. Ideal for managing cash flow gaps during uncertain times.
3. Equipment Financing
Perfect for: Purchasing or leasing essential equipment
Don't let the shutdown delay critical equipment purchases. We offer competitive rates on equipment financing with terms up to 60 months — no SBA approval required.
Pro Tip: "Your payroll, rent, and inventory suppliers won't pause during a shutdown — but your SBA loan might. Now's the time to explore alternative sources of capital."
How Long Will the Government Shutdown Last?
While no one can predict when Congress will finalize a funding bill, history provides some context:
Typical duration: Most shutdowns last 1-3 weeks
Worst case: The 2018-2019 shutdown stretched 35 days
Current outlook: Plan for at least several weeks of disruption
Having a short-term financing plan in place, even just a line of credit, can prevent cash flow disruptions while you wait for federal programs to resume.
Which Government Services Are Impacted?
Here's how the shutdown affects key services small businesses rely on:
What Happened During the Last Major Shutdown?
During the 2018-2019 shutdown, Capital Infusion and similar alternative lenders saw a surge in applications from businesses that couldn't wait weeks for federal programs to reopen.
Key takeaways from that 35-day shutdown:
SBA loan backlogs took weeks to clear after reopening
Businesses with alternative funding sources maintained operations
Those who waited lost opportunities and strained vendor relationships
We processed thousands of applications during that period, helping businesses:
Meet payroll obligations
Maintain inventory levels
Seize time-sensitive opportunities
Keep operations running smoothly
Your Next Steps: Don't Let the Shutdown Slow You Down
If your SBA loan is stuck in limbo, our team can review your funding options in under 24 hours. We specialize in fast, relationship-based financing designed to help business owners keep operations running, no red tape necessary.
Why Choose Capital Infusion During the Shutdown?
✅ Still Operating: Private funding means no government delays
✅ Fast Decisions: Know your options within 24 hours
✅ Flexible Terms: Solutions tailored to your business needs
✅ Proven Experience: We've helped thousands through past shutdowns
Ready to Explore Your Options?
Today: Submit your 5-minute application
Within 24 hours: Get your approval and terms
As fast as tomorrow: Receive funds in your account
Join the over 3,000 businesses we've funded today, with no cost, no impact on credit, simple application. Apply Now.
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