SBA 7(a) Loans
Engineered for Business Growth
preferred business capital
SBA loans up to $5 Million
business eligiblity
SBA 7(a) loans are designed for U.S.-based, for‑profit small businesses. Eligible borrowers typically have demonstrated business cash flow, industry experience and acceptable credit history.
Lower Down Payments
Unlike conventional financing that often requires 20–30% down, SBA 7(a) loans can be obtained with as little as 10%.
longer loan maturities
Longer SBA loan maturities mean lower monthly payments and more predicatble cash flow, 10 to 25 year loan maturities available.
Flexible Use of Funds
From acquiring a business to purchasing equipment or refinancing debt the 7(a) program covers a broader range of uses than almost any other loan type.
The SBA 7(a) program is intentionally broad.
Here are the most common ways our clients put capital to work.
Startup & Expansion
Launch a new location, enter a new market, or build out your existing space. SBA 7(a) loans support growth at every stage of your business journey.
Working Capital
Secure operating funds to manage seasonal demand, bridge receivables, or grow your team — without putting strain on your day-to-day cash position.
Debt Refinancing
Consolidate high-interest business debt into a single, lower-rate SBA loan — improving cash flow and simplifying your balance sheet.
Equipment & Machinery
Finance heavy equipment, machinery, vehicles, or technology with terms matched to the useful life of the asset, preserving your working capital.
Real Estate Purchase
Acquire owner-occupied commercial real estate with terms up to 25 years and down payments as low as 10% — far better than conventional commercial mortgages.
Business Acquisition
Buying an existing business is one of the most popular uses of 7(a) financing. Finance up to 90% of the purchase price with favorable terms that make ownership achievable.