So what exactly is an SBA loan and how is it different from the traditional financing you would receive from a bank? There are a a few main reasons why SBA financing is the best option for small business owners. As the leading national, non-bank, direct commercial lender in the U.S.A, FountainheadCC specializes in helping owners of small to mid-size businesses finance their growth through our SBA 504, SBA 7(a), and low LTV conventional loan programs.