First Capital program · Independent placement

SBA 7(a), 504 & Acquisition Financing

Long-horizon financing for eligible acquisitions, property, equipment, refinancing, and growth.

SBA-backed financing can support several distinct transactions, including business acquisitions, owner-occupied real estate, major equipment, eligible refinancing, and working capital. First Capital helps organize the request and place it with participating third-party lenders; the lender and SBA rules determine eligibility and terms.

Review the program

Fit and review

What to know before you start.

Best for

  • Owner-occupied commercial real estate purchases
  • Business acquisitions and partner buyouts
  • Refinancing MCA stacks or high-rate short-term debt
  • Long-horizon working capital and expansion

Documents and review factors

  • Business and personal tax returns
  • Current financial statements and debt schedule
  • Ownership, use-of-proceeds, and management background
  • For acquisitions: purchase agreement, valuation support, and target-company financials

Placement process

A structured path from request to potential options.

01

Define whether the request is for an acquisition, real estate, equipment, refinancing, or working capital.

02

Assemble the financial, ownership, and transaction documents required for that use.

03

Place the package with an appropriate participating lender for underwriting.

04

Complete lender and program diligence before closing.

From the Answer Center

Common questions business owners ask.

Browse the Answer Center

Ready to move on SBA 7(a), 504 & Acquisition Financing?

Start with the request. A First Capital advisor will review the information and help identify potential options from independent third-party providers.