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SBA 504 & 7(a) Loans

Government-backed financing with the best long-term rates available.

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Overview

SBA loans offer some of the most competitive rates and terms for owner-occupied commercial real estate and business acquisitions. Our team guides you through the SBA process — from eligibility assessment to lender matching and submission.

  • Lowest down payment requirement (as low as 10%)
  • Long amortization periods lower monthly payments
  • No balloon payments on 504 loans

Loan Specifications

Min Amount

$150,000

Max Amount

$5,000,000 (7a) / $20,000,000+ (504)

Loan Term

10–25 years

Max LTV

Up to 90%

Amortization

10–25 years

Rate Type

Fixed (504) / Fixed or Variable (7a)

Eligibility Criteria

  • For-profit businesses operating in the US
  • Owner-occupied property (51%+ owner-occupied for 7a, 51% for 504)
  • Minimum 2 years in business
  • Business must meet SBA size standards
  • Minimum 680 credit score

Required Documents

Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.

  • Business plan (new businesses or expansions)
  • Last 3 years profit & loss statements
  • Last 3 years business tax returns
  • Debt schedule (all current business debts)
  • Business license and registration
  • Personal financial statement (all owners 20%+)
  • Resume of principals

Frequently Asked Questions