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.
Honest read
A quick look at your use of funds, cash flow, and credit to see if SBA is even the right tool.
We do the paperwork
We assemble the file and match it to the right SBA lender in our network.
Through underwriting
We manage the back-and-forth so you can keep running your business.
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?