SBA 7(a) Loans

Overview

The SBA 7(a) is the workhorse of small business lending. Because the U.S. Small Business Administration guarantees a portion of the loan, lenders can say yes to deals that fall outside conventional credit boxes, with longer terms and smaller down payments than a standard bank loan.

That flexibility is also why 7(a) deals live or die on packaging. The same file can be declined at one lender and approved at another. Our job is to structure yours correctly the first time and place it with the SBA lenders most likely to compete for it.

What it covers

• Business acquisition and partner buyouts
• Owner-occupied commercial real estate
• Refinancing high-rate business debt
• Working capital and inventory
• Equipment, fixtures, and build-out
• Franchise purchase and expansion

A strong fit if

• An established, cash-flowing business (or one you are buying)
• You want to preserve cash with a lower down payment
• The deal needs longer terms to make the payment comfortable