The borrower does not need to put any money down for most loans. That is a silver lining for businesses in need of a financial boost. It’s not necessary to make a down payment on many of the most common and widely used loans. The SBA’s most popular loan programs require a down payment. The small business owner can expect to put down 10% to 30% of their total loan amount depending on the loan type and the borrower’s personal credit history. However, even the SBA does not require a down payment for some loans.