SBA 7(a) Loan Program - Most flexible and widely used:

  • Loan Amounts: Up to $5,000,000
  • Interest Rates: Variable or fixed, typically Prime + 2.25% to 4.75%
  • Terms: Up to 10 years for working capital / Up to 25 years for real estate
  • Use of Funds:
  • Working capital
  • Business acquisition
  • Equipment or inventory
  • Debt refinancing
  • Real estate purchase or renovation
  • Down Payment: Typically 10%
  • Collateral: Required for loans over $25,000 (flexible)

SBA 504 Loan Program - Focused on fixed assets

  • Loan Amounts: Typically up to $5.5 million (higher for manufacturing)
  • Interest Rates: Fixed, below-market (based on Treasury rates)
  • Terms: 10, 20, or 25 years
  • Use of Funds:
  • Land and building purchase
  • New construction or renovations
  • Long-term machinery or equipment

Real Estate Loans for Business Owners

  • Structure:
  • 50% from private lender
  • 40% from a CDC (Certified Development Company)
  • 10% down payment from borrower

Basic Eligibility Requirements:

  • U.S.-based for-profit business
  • Business must meet SBA size standards (typically fewer than 500 employees)
  • Reasonable owner equity investment (typically 10%)
  • Acceptable credit (FICO 650+ is ideal)
  • Demonstrated ability to repay (via tax returns, P&Ls, projections)
  • Personal guarantee required from owners with 20%+ ownership

SBA loans can take longer to process (30-90 days), but offer low rates and generous terms. Startups may be
eligible, especially if the borrower has industry experience and strong personal credit. SBA guarantees
75-90% of the loan, reducing lender risk and increasing borrower access.

We are experts in helping businesses of all sizes access the capital they need to scale, expand, and succeed.
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