SBA Lending Experts

We have more SBA programs than any other lender in the market. We work with an array of business lenders to bring you the best programs and solutions for your business lending needs.

800-608-8191

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7A Loans

The SBA 7(A) loan is a very flexible loan allowing for down payments as low at 10% for real estate, or even zero for working capital.  These loans can be fully amortized up to 10 years (25 years if the loan purpose is commercial real estate).  Loans for a combination of purposes can be included under a single loan under this program so long as the aggregate loan commitment does not exceed $2,000,000. 

  • Minimal down payment – as low as 10% down
  • Floating or fixed interest rate
  • Fully amortized – up to 25 Years
  • Loans up to $2,000,000
  • No prepayment penalty after 3rd year
  • 1 Lender, 1 Loan Decision, 1 Payment = 7(A)
  • Multi-purpose loan:
    • Business Acquisitions
    • Business Start-Ups
    • Working Capital
    • Tenant/Leasehold Improvements
    • Equipment Purchase
    • Refinance of Real estate
    • Ground Up Construction

For needs larger than $350,000 loans must be fully documented under the SBA 7(A) program but loans can be as large as $2,000,000.  The SBA 7(A) loan is a multi-purpose loan that can be used for business start-up, business acquisition, working capital, inventory, tenant or leasehold improvements, or the purchase of real estate that will be occupied at least 51% by the borrower’s business.