Most Popular
SBA 7(a) Loans — Up to $5M with Government Backing
The most popular SBA loan program with up to 85% government guarantee. Competitive rates, terms up to 25 years, and flexible use for working capital, equipment, real estate, and business acquisition.
Today's variable rate:from 11.25%
Up to $5 Million
Maximum loan amount
Up to 25 Years
Maximum loan term
75-85%
SBA guarantee
Loan Features & Benefits
The SBA 7(a) program offers the most flexible terms and competitive rates for small business financing.
Key Features
Up to $5 million in financing
85% SBA guarantee on loans up to $150K
75% SBA guarantee on loans over $150K
Terms up to 25 years for real estate
Terms up to 10 years for equipment
Working capital terms up to 7 years
Competitive interest rates
No prepayment penalties
Eligible Uses
Working capital
Equipment purchases
Real estate acquisition
Business acquisition
Debt refinancing
Franchise financing
Expansion and renovation
Inventory purchases
SBA 7(a) Qualification Requirements
Understanding the basic requirements helps ensure a smooth application process.
Business Size
Must meet SBA size standards for your industry
Credit Score
Personal credit score of 680+ preferred
Time in Business
Minimum 2 years operating history
Equity Injection
10-15% down payment required
SBA 7(a) Application Process
Our streamlined process makes getting your SBA 7(a) loan as simple as possible.
01
Pre-qualification
Complete our quick online application
02
Document Collection
Gather required financial documents
03
SBA Review
We submit to SBA for approval
04
Closing & Funding
Sign documents and receive funds
SBA 7(a) Success Stories
See how businesses like yours have thrived with SBA 7(a) financing
Digital Growth
Tech startup secured $500K for expansion
Manufacturing Expansion
Family business secured $1.2M for new facility
Which SBA Loan Is Right for You?
The SBA 7(a) loan is the SBA's most flexible program — it can fund working capital, equipment, owner-occupied real estate, business acquisition, and debt refinancing, with amounts up to $5 million and a 75-85% SBA guarantee. Depending on your goal, another SBA program may be a better fit:
SBA 504 loans — built for major fixed assets like owner-occupied commercial real estate and heavy equipment, with long-term fixed rates and as little as 10% down.
SBA Express loans — built for speed: an SBA decision in as little as 36 hours for amounts up to $500,000, available as a term loan or line of credit.
Still weighing your options? Compare every SBA loan program in one place.
Explore Related Financing Options
Compare financing options to find the best fit for your business needs
Up to $5.5M
SBA 504 Loans
Long-term, fixed-rate financing for commercial real estate and heavy equipment purchases.
Learn moreUp to $500K
SBA Express Loans
Fast SBA approval in as little as 36 hours for up to $500K in business funding.
Learn more$5K–$5M
Working Capital Loans
Short-term funding for day-to-day operations, payroll, inventory, and cash flow gaps.
Learn more$10K–$10M+
Equipment Financing
Purchase or lease business equipment with the equipment itself serving as collateral.
Learn moreReady to Apply for Your SBA 7(a) Loan?
Get started with our simple application process and let our SBA experts guide you through every step.
FAQ
Frequently Asked Questions
The SBA 7(a) loan is the most popular and versatile SBA loan program, offering up to $5 million for a wide range of business purposes including working capital, equipment, real estate, and business acquisition. The SBA guarantees up to 85% of loans under $150K and 75% for larger amounts.
SBA 7(a) loan interest rates are negotiated between the borrower and lender but are subject to SBA maximum rates. Rates are typically based on the prime rate plus a spread of 2.25-2.75%, resulting in competitive rates significantly lower than conventional business loans.
The SBA 7(a) loan approval process typically takes 30-60 days from application to funding. Pre-approval decisions can often be provided within 24 hours. Our marketplace matches you with lenders experienced in expediting SBA approvals.
SBA 7(a) loans can be used for working capital, equipment purchases, real estate acquisition, business acquisition, debt refinancing, franchise financing, expansion and renovation, and inventory purchases.
To qualify, your business must operate for profit in the U.S., meet SBA size standards, and demonstrate the ability to repay. Lenders typically look for a personal credit score around 680, at least 2 years in business, and a 10-15% equity injection. Owners with 20% or more ownership generally provide a personal guarantee.
SBA 7(a) loans offer up to $5 million in financing. The amount you qualify for depends on your business cash flow, collateral, credit profile, and the purpose of the loan. Terms can run up to 25 years for real estate, 10 years for equipment, and 7 years for working capital.
It depends on your goal. The SBA 7(a) loan is more flexible and ideal when you need to blend working capital, equipment, or a business acquisition into one loan. The SBA 504 loan is usually better for purchasing owner-occupied commercial real estate, offering long-term fixed rates and as little as 10% down.
Yes. Business acquisition and franchise financing are among the most popular uses of the SBA 7(a) program. You can finance the purchase price, and often working capital, in a single loan up to $5 million with terms up to 25 years when real estate is included. A 10% equity injection is typically expected.
Still have questions? Our loan experts are here to help.