The entire approval process takes quite a long time.
Your application itself will take as long as it takes you to complete and provide supporting documents. Upon submitting the application, the SBA will notify you within 15 days if the application is complete and acceptable for evaluation. They will tell you what additional information is required or if clarification is needed. Once a completed application is received, the SBA could take as long as 90 days to return a decision. Your decision will come in writing and will explain if you are able to appeal an adverse decision.