The flagship program

SBA 7(a) Loan

The most flexible SBA loan for almost any business purpose.

Get my SBA estimate →Talk to a specialist

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.