SBA Loans (7a & 504)
Government-Guaranteed Financing
The most comprehensive and affordable programs to expand, acquire, or stabilize a business.
What is an SBA Loan?
These are programs supported by the U.S. Small Business Administration:
- SBA 7a: for working capital, refinancing, and business purchases
- SBA 504: for commercial real estate and heavy equipment
Who This Is For:
Small business owners seeking long-term, lower-rate financing for acquisitions, real estate, equipment, or expansion — including first-time buyers and established operators.
When It’s Used:
When acquiring a business, purchasing owner-occupied commercial real estate, or financing long-term growth with favorable terms backed by a government guarantee.
Why It Matters:
SBA programs offer some of the most competitive terms available for small business capital — lower down payments, longer amortization, and reduced lender risk that translates into more accessible approval criteria.
- Available for both individual and entity borrowing (including LLC and corporate structures), depending on the investor’s strategy, lender guidelines, and jurisdictional considerations.
- In certain jurisdictions, entity vesting is preferred for business-purpose lending to streamline execution and avoid regulatory or foreclosure complexities.
⭐ Advantages
🟢 Lower rates
🟢 Longer terms
🟢 Higher amounts
🟢 Excellent for acquisitions
🟢 Ideal for serious investors
🟢 Startups may qualify
⭐ Requirements
- 2 years in business
- Tax returns
- Projections
- Good credit history
- Business plan (if acquiring)