The flagship program
SBA 7(a) Loan
The most flexible SBA loan for almost any business purpose.
The SBA 7(a) is the workhorse of small-business lending: long terms, competitive rates, and broad eligible uses. It's the right fit for most established, for-profit US businesses looking to grow, acquire, refinance, or stabilize cash flow.
Best for
- Established, for-profit US small businesses
- Working capital, acquisition, or refinance
- Owners who want the lowest payment over the longest term
Common uses
- Working capital and payroll
- Buying or expanding a business
- Refinancing higher-cost business debt
- Equipment and inventory
- Owner-occupied commercial real estate
- Partner buyouts
What you'll need
- For-profit business operating in the US
- Reasonable owner equity / investment
- Demonstrated ability to repay (cash flow)
- Owner personal credit reviewed (no minimum guaranteed)
At a glance
- Loan amount
- Up to $5,000,000
- Terms
- Up to 10 yrs (working capital), 25 yrs (real estate)
- SBA guaranty
- Up to 85% — which lowers your rate
- Funding timeline
- Typically 30–90 days
SBA 7(a) Loan questions
How much can I borrow with a 7(a) loan?
Up to $5 million. The amount you qualify for depends on your revenue, cash flow, credit, and use of funds — your specialist gives you an indicative range up front.
How long does a 7(a) loan take?
Most close in 30–90 days. We make the slow part fast with a dedicated specialist and a clean document portal so you're never the bottleneck.
What can I use a 7(a) loan for?
Working capital, business acquisition, debt refinance, equipment, inventory, owner-occupied real estate, and partner buyouts.
Other SBA programs
See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.