SBA 7(a) Loan Program
SBA Financing for Buying, Building, and Growing Your Business
We help qualified business owners evaluate and structure SBA 7(a) financing for business acquisitions, commercial real estate, equipment, working capital, partner buyouts, and eligible debt refinancing.
Clear guidance, lender-ready packaging, and support from initial review through closing.
What Can an SBA 7(a) Loan Finance?
SBA 7(a) financing is one of the most flexible funding options available to qualified small-business owners. We help clients evaluate and structure financing for:
- Buying an existing business or franchise
- Partner buyouts and ownership changes
- Owner-occupied commercial real estate
- Working capital, inventory, and business expansion
- Equipment, vehicles, furniture, and leasehold improvements
- Eligible business debt refinancing
Every transaction is different. Before recommending a lender strategy, we review the business, borrower profile, available equity injection, cash flow, collateral, and loan purpose.
SBA 7(a) loans may be used for eligible acquisitions, commercial real estate, equipment, working capital, ownership changes, and certain refinances, subject to SBA guidelines and lender underwriting requirements.
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Max loan amount
$5 million
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Interest rate
WSJ Prime + 1.75%–2.50%
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Terms
Loan terms vary according to the purpose of the loan, generally up to 25 years for real estate or 10 years for other fixed assets and working capital.
Is SBA Financing a Good Fit?
SBA financing may be a good fit if you are buying, expanding, or operating a U.S.-based, for-profit business and can demonstrate a reasonable ability to repay the loan.
Most lenders will evaluate:
- 1Your business purpose and requested loan amount
- 2Historical or projected cash flow
- 3Personal credit history and overall borrower profile
- 4Down payment or equity injection, when required
- 5Industry experience and management strength
- 6Available business and personal collateral
- 7SBA eligibility and small-business size requirements
Not every strong business is an immediate SBA fit, and not every SBA loan requires the same structure. We provide a straightforward initial assessment before asking you to spend time assembling a full loan package.
The SBA generally considers whether a business operates for profit in the United States, meets small-business standards, demonstrates creditworthiness and repayment ability, and cannot obtain the requested credit on reasonable conventional terms.
Talk Through Your Financing OptionsNot Sure Where to Start?
Send us a brief overview of your transaction. We will help you determine whether SBA financing makes sense, what loan structure may fit, and what information lenders will likely need.
Contact UsLoan Approval Timeline
Request a Confidential Loan Review- 01
Initial Deal Review
Approximately 1 business day
- 02
Loan Structure and Preapproval
Approximately 3 business days
- 03
Underwriting and Approval
Approximately 30 business days
- 04
Closing
Approximately 7 business days
A well-prepared loan request can move more efficiently. However, SBA financing involves lender underwriting, documentation, and, in many cases, third-party reports. We help you prepare early so avoidable delays do not hold up your closing.
Recently Closed
| Description | Type | Loan Amount | Term | Rate | Location |
|---|---|---|---|---|---|
| Parking Lot | Ground-up Construction | $4,899,000 | 25 Years | WSJ Prime + 1.75%–2.50% | McKinney, TX |
| Dumpster Rental | Real Estate & Equipment Purchase | $478,000 | 25 Years | WSJ Prime + 1.75%–2.50% | San Antonio, TX |
| Liquor Store | Business Acquisition | $450,000 | 10 Years | WSJ Prime + 1.75%–2.50% | Austin, TX |
Your SBA Financing Advisor
I help business owners navigate the SBA loan process when they are buying a business, purchasing commercial real estate, refinancing debt, or planning for growth.
My role is to understand the transaction, identify potential financing challenges early, help organize a lender-ready package, and connect qualified borrowers with SBA lenders that fit the opportunity.
SBA financing can be detailed, but the process should not be confusing. I provide direct guidance, clear expectations, and consistent follow-up from the initial review through closing.
Anton MaskadynyaManaging Member
SBA 7(a) Loan Questions
What can an SBA 7(a) loan be used for?
SBA 7(a) financing may be used for eligible business acquisitions, partner buyouts, owner-occupied commercial real estate, equipment, working capital, inventory, leasehold improvements, and certain business debt refinancing. The appropriate structure depends on the transaction and lender requirements.
How much can I borrow?
The maximum SBA 7(a) loan amount is $5 million. The amount you may qualify for depends on the business’s ability to repay, the loan purpose, available equity injection, collateral, and lender underwriting requirements.
What do I need for an initial review?
Start with a short summary of the request, including the business or property being acquired, purchase price or project cost, requested loan amount, available down payment, business financials if available, and a brief overview of your experience. If the opportunity appears viable, we will provide a tailored document list.
What credit score do I need?
There is no single SBA-required personal credit score for every 7(a) loan. Lenders review the overall credit profile, including payment history, derogatory items, debt obligations, liquidity, industry experience, and cash flow. Stronger credit generally provides more lender options.
Do I need collateral?
Collateral requirements depend on loan size, loan purpose, lender policy, and available assets. For larger loans, lenders generally take liens on available business assets and may also consider available equity in personal real estate. Limited collateral does not automatically prevent approval, but it can affect lender options and loan structure.
How long does an SBA loan take?
Timing depends on the transaction. A straightforward request may move faster than a business acquisition or commercial real-estate transaction that requires a business valuation, appraisal, environmental review, lease review, or other third-party reports. We will provide a more realistic timeline after reviewing the deal.
What if SBA financing is not the best option?
If SBA financing is not the right fit, we will explain why and discuss whether another structure may make more sense, such as conventional financing, asset-based lending, seller financing, or alternative financing. The goal is to find a financing solution that fits the transaction—not force every request into an SBA loan.