The SBA does not loan you the money directly. Instead they loan the money to a local nonprofit lending institution which then lends it to you. You are required to apply for the loan and they will make their decision based on your credit-worthiness. Loan terms are never more than 6 years.
Click here to download a PDF file list of local nonprofit lending institutions.
So go get a loan and start your business! Let me know how it works out for you.