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    SBA 7(a) loans

    The SBA's main loan program: long terms and lower down payments for buying a business, buying or refinancing owner-occupied real estate, equipment, working capital, and refinancing expensive debt. The SBA guarantees part of the loan, so banks take risks they otherwise wouldn't.

    Speak with us: (347) 824-5851

    Program terms
    Best forReal estate plus working capital, business acquisitions, partner buyouts, debt refinance
    Loan sizeUp to $5M
    Down paymentOften 10%
    TermUp to 25 years for real estate; up to 10 years for equipment and working capital
    RateVariable or fixed, with a maximum spread over Prime set by SBA
    Prepayment5% / 3% / 1% in years 1–3 on loans of 15+ years if you prepay more than 25%
    FeesSBA guarantee fee, often financed into the loan
    Time to closeAbout 60–90 days

    Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.

    Good fit: profitable operating business; owner-occupied real estate; business acquisitions; refinancing high-cost debt.
    Not a fit: passive investment property; some industries are ineligible.

    Common questions

    • Can an existing SBA loan be refinanced or restructured? Yes in many cases, including changes to guarantors. We've worked on guarantor substitutions.
    • Do I need perfect credit? No, but credit affects which lenders will look at it.

    How it works

    1. Tell us what you need and what you have. No documents, no credit pull.
    2. We review the realistic options and walk you through each.
    3. You choose a path; we send one document list and secure a term sheet.
    4. We manage underwriting and closing alongside you.

    Recent transactions

    Owner-user bridgeClosed

    Cutting $300K+ a year in debt costs for a California aerospace manufacturer

    Loan amount
    $2,750,000
    Property
    Industrial, owner-occupied
    Location
    California

    Special situations

    Existing MCA debtHow stacked MCAs affect approval, why lenders worry, and how to build the payoff into a longer-term loan.How it gets solvedCredit scoreWhich loan types care about your FICO, which care more about the property, and what scores move pricing.How it gets solvedTax returns show a lossWhy bank and SBA lenders decline on weak tax returns, and the asset-based and bridge-to-SBA alternatives.How it gets solvedLender backed outWhy late fall-throughs happen and how to re-place a deal without starting over.How it gets solved

    Related programs

    SBA 504 LoansLong-term, fixed-rate financing for owner-occupied real estate and heavy equipment.View programUSDA Business & Industry LoansA government-guaranteed loan for businesses in rural areas, which include many smaller towns and the edges of metro areas.View programOwner-Occupied Commercial LoansLoans for business owners buying or refinancing the building their business operates in: warehouses, shops, plants, offices, mixed-use.View program
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