When compared to other types of business loans, the SBA loan application process is commonly considered the most difficult. This is true not only because of the eligibility requirements but also because of the sheer length of the application and underwriting process.
Source: Is it Hard to Get an SBA Loan? - BitX Funding
Yes, SBA loans are available! Programs related to COVID relief have closed applications, but other programs are accepting new applications.
EIDL loans facilitated to small businesses as COVID relief stopped accepting applications on January 1, 2022, but other SBA loan programs are currently fully operational and accepting new applications from small business owners.
*Notice: COVID EIDL is no longer accepting new applications but will continue to accept requests for increases, reconsideration, and appeals. As of January 1, 2022, we are not able to accept applications for new COVID EIDL loans or advances.