🏢 Small Business
SBA Loans
🔒 Secure · No Obligation
Why This Loan
SBA Money Loans
SBA loans are financing solutions designed to help small businesses access capital for growth, operations, expansion, or property-related needs. These loans are associated with programs that support business owners seeking practical financing options.
They may be useful for purchasing owner-occupied commercial real estate, refinancing eligible debt, funding improvements, or supporting broader business development goals. SBA-backed financing is often considered by businesses looking for structured terms and long-term value.
For entrepreneurs and established companies alike, SBA loans can be a valuable option when planning the next stage of business growth.
Quick Overview
Best for: Small business owners, entrepreneurs, growing businesses
Common use: Owner-occupied commercial real estate, business expansion, refinancing
Business must be for-profit and meet SBA size standards
Owner-occupied: business must occupy at least 51% of the property
Why This Loan
Key Benefits
Owner-Occupied CRE
Finance the commercial property your business occupies with government-backed terms and extended repayment.
Lower Down Payments
SBA 7(a) and 504 programs typically require lower down payments than conventional commercial loans.
Longer Terms
SBA loans offer extended repayment periods, reducing monthly payment burden and improving cash flow.
Competitive Rates
Government guarantees allow lenders to offer more competitive rates than unguaranteed commercial financing.
Working Capital
SBA 7(a) loans can also include working capital components alongside real estate financing.
Government Backed
Federal guarantee reduces lender risk and opens doors for businesses that may not qualify for conventional commercial loans.
Qualifying
Qualification OverView
General Requirements
Business must be for-profit and meet SBA size standards
Owner-occupied: business must occupy at least 51% of the property
Good personal credit history (typically 650+ preferred)
Business must demonstrate ability to repay from business cash flow
Final qualification is determined by individual lenders. Requirements vary. This is for informational purposes only.
Typical Documentation
Business tax returns (3 years)
Personal tax returns for all principals (2 years)
Year-to-date profit and loss statement
Business plan or projections for newer businesses
Documentation requirements vary by lender and loan program. Your matched lender will provide a specific list.
See if this loan fits your scenario
FAQ
SBA Loans
Questions
SBA 7(a) is more flexible and can be used for real estate, equipment, and working capital. SBA 504 is specifically for major fixed assets like real estate and equipment, typically at lower rates through a Certified Development Company (CDC).
SBA loans typically take 60-90 days from application to funding. Preferred lenders can sometimes move faster. Having complete documentation ready significantly speeds up the process.
Yes, though it is more challenging. SBA does allow startup loans but lenders typically require a solid business plan, personal collateral, and strong personal credit. Experience in the industry helps significantly.
For most SBA real estate programs, yes. The SBA 504 program requires the borrower’s business to occupy at least 51% of existing commercial property or 60% of newly constructed property.