SBA 7(a) Loans
The most popular SBA program for working capital, equipment, expansion, acquisitions, and more.
Government backed financing up to 5 million with competitive rates, flexible repayment terms, and broad use of funds.
Apply NowWhat is an SBA 7(a) Loan?
The SBA 7(a) Loan Program is the Small Business Administration's primary solution for small business financing. By guaranteeing up to 85 percent of the loan, the SBA reduces lender risk, allowing lenders to offer more favorable terms than traditional commercial loans.
This program is ideal for businesses that need flexible financing that can be used for multiple purposes including working capital, equipment, real estate, business acquisition, or partner buyouts.
What Can You Use It For?
Working Capital
Support daily operations and manage cash flow.
Business Expansion
Open new locations or grow existing operations.
Equipment Purchase
Machinery, technology, vehicles, or upgrades.
Partner Buyout
Purchase ownership shares from a departing partner.
Business Acquisition
Buy an existing business with long term repayment options.
Debt Refinance
Consolidate or restructure existing business debt for better terms.
Why Choose SBA 7(a)?
Key advantages that make 7(a) loans the most popular choice
Government Backed
SBA guarantee up to 85 percent lowers risk for lenders.
Low Down Payment
Get started with as little as 10 percent down.
Flexible Terms
Repayment periods up to 25 years for real estate and up to 10 years for most other uses.
Expert Support
Dedicated SBA specialists guide you from application to funding.
Key Benefits
Everything you need to grow your business
Eligibility Requirements
Make sure your business qualifies
Application Process
Five simple steps to get funded
Initial Consultation
Discuss goals, loan options, and eligibility.
Gather Documentation
Financial statements, tax returns, business plan, and required SBA forms.
Submit Application
Complete lender and SBA paperwork.
Underwriting & Approval
Lender reviews your application and the SBA issues a loan guarantee.
Closing & Funding
Sign final loan documents and receive funds.
Typical Loan Terms
Competitive rates and flexible terms
Get Started Today
Ready to grow your business with an SBA 7(a) loan? Our experts are here to help you every step of the way.