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7(a) & 504 programs

SBA loans,
qualified before you commit.

Longer terms and lower down payments for buying a business, real estate, or working capital. The catch is the paperwork and the timeline, so we tell you whether your file really qualifies before you spend weeks on it.

Lower

down payments

Longer

amortization

7(a) & 504

both programs

Honest

qualification read

What it's for

One program, a lot of doors.

Business acquisition

Buy a business or a partner's stake with less cash out of pocket than conventional financing usually requires.

Owner-occupied real estate

Buy or build the building your business operates from. The 504 program is purpose-built for this.

Equipment & expansion

Heavy equipment, build-outs, and the capital to open the next location.

Working capital & refinance

Working capital for growth, or refinancing the right kinds of existing business debt into better terms.

How it works

We screen first, so you don't waste weeks.

01 · Pre-screen

Honest read

A quick look at your use of funds, cash flow, and credit to see if SBA is even the right tool.

02 · Package

We do the paperwork

We assemble the file and match it to the right SBA lender in our network.

03 · Approval

Through underwriting

We manage the back-and-forth so you can keep running your business.

04 · Close

Funded

You sign, the loan funds, and you've got terms a bank line can't match.

Straight answers

SBA questions, answered honestly.

What can an SBA loan be used for?

Business acquisition, partner buyouts, owner-occupied commercial real estate, equipment, leasehold improvements, refinancing certain debt, and working capital. The 7(a) program is flexible; the 504 is built for real estate and heavy equipment.

How long does it take?

Longer than bridge or asset-based options, because of the documentation and approval process. Often several weeks to a couple of months. We give you the realistic timeline upfront so it doesn't surprise you mid-deal.

How much do I need for a down payment?

SBA programs typically allow lower down payments than conventional financing, often around 10 percent depending on the use of funds and your profile. We'll walk you through what your specific deal requires.

What if SBA isn't the right fit?

Then we'll say so and point you to something that is. We carry the full lineup, so SBA is one option among many, not the only hammer we own.

Thinking about an SBA loan?

Find out if you qualify before you commit.