SBA 7(a) & 504 Loans
Government-backed capital with the lowest cost of funds available to small business.
SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets partner lenders extend longer terms and lower rates than a conventional bank loan. Ideal for acquisitions, real estate, refinancing higher-cost debt, and long-term expansion.
Program Highlights
Loan Size
$50,000 – $5,000,000
Rates
Prime + 2.25% – 4.75%
Term
10 – 25 Years
Credit Minimum
680 FICO
Guarantee
Up to 85% SBA-backed
Time to Close
30 – 60 Days
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
Requirements
- ·2+ years time in business (startups considered under 7(a))
- ·For-profit U.S. business meeting SBA size standards
- ·Personal guarantee from 20%+ owners
- ·No delinquent federal debt
How It Works
01
Pre-qualification review of business financials, ownership, and use of proceeds.
02
Full underwriting package: 3 years business + personal tax returns, YTD P&L, debt schedule.
03
SBA authorization and commitment letter issued by the partner lender.
04
Closing, funding, and disbursement to escrow or vendor accounts.
Fact-Backed Impact
Published research and industry data on how sba 7(a) & 504 loans help U.S. businesses grow.
$31.1 Billion
SBA-backed 7(a) loans approved in fiscal year 2024 — a record volume that funded more than 70,000 small businesses across the U.S.
Source: SBA FY2024 Capital Impact Report
72,000+ Businesses
Received SBA 7(a) financing in a single fiscal year, with average loan sizes rising to fund larger acquisitions and expansions.
Source: U.S. Small Business Administration, 2024
50% Longer Survival
SBA-financed businesses show materially higher 5-year survival rates than non-financed peers, per Federal Reserve small-business credit data.
Source: Federal Reserve Small Business Credit Survey
Real Outcomes
Manufacturing
Machine shop, Ohio
Used a $1.4M SBA 7(a) loan to acquire a competitor and consolidate operations. Combined revenue grew 62% in 18 months.
Hospitality
Family restaurant group
Refinanced three MCAs and a high-rate term loan into a single 10-year SBA facility, cutting monthly debt service by 68%.
Composite outcomes based on client engagements; individual results vary.
Ready to move on SBA 7(a) & 504 Loans?
One application, one desk. A funding advisor will review your file and return offers tailored to your business.