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SBA loan

SBA 7(a) & 504 Loans

Government-guaranteed financing with the longest terms and lowest down payments — for owner-occupied real estate, business acquisitions, and major equipment.

See my options How it works

Best for

  • Owner-occupied commercial real estate
  • Business acquisitions with real estate
  • Hotel / hospitality acquisition (with operating component)
  • Heavy equipment and refinance of existing debt

What you'll need to qualify

  • Owner-occupied (51%+ for 7a real estate)
  • Strong personal credit (typically 680+)
  • Demonstrable repayment ability
  • U.S. citizen or LPR ownership

How it works

  1. 1

    We pre-qualify the deal against current SBA lender appetite (preferred lenders only).

  2. 2

    Build the SBA package — financials, business valuation, projections, sponsor docs.

  3. 3

    SBA Preferred Lender underwrites and closes; funding typically in 45–90 days.

The trade-offs

Pros

  • • Up to 90% financing — low down payment
  • • Long amortization (25 years for real estate)
  • • Competitive rates with government guarantee

Trade-offs

  • • Owner-occupancy required — not for pure investment
  • • Personal guarantee from all 20%+ owners
  • • Documentation-heavy and longer to close

See what you qualify for

Compare SBA loan offers from 75+ lenders. No credit hit, no obligation.

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