The gold standard of
business funding.
Secure up to $5M with an SBA 7(a) loan. Benefit from the lowest rates, longest terms, and highest versatility of any commercial loan on the market, backed by the federal government.
- Interest rates are heavily regulated and capped by the SBA.
- Unmatched 10-year terms for working capital and acquisitions.
- Down payments as low as 10% to preserve your liquid cash.
Unmatched Versatility
Unlike specialized equipment or real estate loans, the 7(a) can be used for virtually any business purpose, from buying out a partner to hiring staff.
Consolidate Toxic Debt
Refinance high-interest merchant cash advances or short-term online loans into a single, low-interest 10-year monthly payment to free up massive cash flow.
Buy or Expand a Business
The 7(a) is the primary vehicle used by entrepreneurs to acquire existing businesses or franchises, requiring only 10% equity injection.
Check SBA Eligibility
See if your business qualifies for the SBA 7(a) program. Zero obligation.
Capital For Every Major Milestone
Because the SBA guarantees up to 85% of the loan amount to the lender, they are willing to fund a massive variety of business needs that standard banks would consider too risky.
Debt Consolidation
Eliminate daily or weekly payments from merchant cash advances or high-interest term loans. Roll them into a 10-year monthly payment and instantly increase your cash flow.
Business Acquisition
Buy out a retiring competitor, acquire a new franchise location, or execute a partner buyout. The 7(a) requires just a 10% equity injection from the buyer.
Long-Term Working Capital
Most banks only offer 1-3 years for working capital. The SBA 7(a) allows you to stretch working capital repayment over 10 years, drastically lowering the monthly burden.
Commercial Real Estate
Purchase an owner-occupied building, expand your facility, or do ground-up construction. Enjoy 25-year repayment terms with no balloon payments.
Debt Refinancing & Cash Flow Estimator
See the massive advantage of SBA term lengths. Input your current high-interest, short-term debt to see how consolidating it into a 10-year SBA 7(a) loan unlocks immediate cash flow for your business.
Current Debt Parameters
Combine MCAs, online loans, and credit cards.
SBA 7(a) will stretch this to 10 Years (120 Months).
Monthly Payment Comparison
Old Short-Term Payment
$12,480
Over 24 Months
New SBA 7(a) Payment
$3,444
Extended to 10 Years
Monthly Cash Flow Freed Up
Liquid CapitalBy consolidating your expensive debt into a 10-year SBA 7(a) loan, you inject a massive $9k+ back into your operating bank account every single month.
*Educational tool. Assumes an illustrative SBA 7(a) interest rate of 11.0% APR (Prime + spread) amortized over 10 years (120 months) vs. your inputted current debt terms. Actual rates depend on Prime Rate at time of closing.
The Best Terms in Commercial Finance
Because the federal government guarantees a portion of the loan, banks are willing to give you rates and terms they would never offer on their own.
| Feature | SBA 7(a) Loan | Standard Bank Term | Online Alt. Lender |
|---|---|---|---|
| Max Loan Amount | Up to $5 Million | Based on heavy collateral | Usually < $250k |
| Repayment Term | 10 Years (WC/Biz Acq) | 1 to 5 Years Max | 6 to 18 Months |
| Interest Rates | SBA Capped (Prime + Spread) | Low, but uncapped | 15% to 40%+ APR |
| Down Payment (Acquisitions) | As low as 10% | 20% to 30%+ | N/A |
The 7(a) Process
1. Pre-Qualification
Submit your basic financials and business plan. We quickly determine your eligibility and max loan amount before wasting your time.
2. Packaging & Underwriting
SBA loans require precise documentation. Our team helps package your application perfectly for bank underwriting and SBA approval.
3. Closing & Funding
Once the SBA issues the PLP (Preferred Lender Program) approval number, we move to closing and disburse the funds directly to you or your creditors.
SBA 7(a) FAQs
Executive answers for business owners seeking federal backing.
Does the SBA lend the money directly?
No. The Small Business Administration does not lend money directly to business owners. Instead, they provide a guarantee (up to 85%) to approved banks and lenders. This guarantee reduces the lender's risk, allowing them to offer you better rates and longer terms.
What are the collateral requirements?
The SBA requires lenders to take available business assets as collateral. However, if business assets fall short of the loan amount, the SBA will not decline the loan based purely on a collateral shortfall. They may ask for a lien on personal real estate to secure the remaining guarantee, but it depends on the specific deal size and risk profile.
How long does the 7(a) process take?
Because of the heavy documentation and underwriting requirements, a standard SBA 7(a) loan typically takes 45 to 90 days from the initial application to the final funding. It is not a quick-cash product, but the massive savings and long terms are worth the wait.