SBA 7(a) & 504 Loans
Long-term, low-rate, government-backed financing for established businesses ready to acquire, expand, or refinance. The most affordable capital available — when you qualify.
Up to $5M · Rates from 6%
Amount
Rate
Term
Speed
Collateral
What it is. How it works. Who it's for.
SBA loans are the gold standard for established businesses. Backed by the Small Business Administration, lenders can offer longer terms and lower rates than traditional commercial loans. The tradeoff is paperwork and time — these aren't fast money. They're build-to-last money.
Best fit for
- Acquiring an existing business or competitor
- Buying owner-occupied commercial real estate (504)
- Refinancing high-cost short-term debt
- Major equipment purchases with long useful life
Four steps from inquiry to wire.
- 01
Pre-Qual
We assess fit and structure your file before submission.
- 02
Package
We assemble the SBA package — financials, projections, narrative.
- 03
Underwriting
Lender + SBA review. We respond to conditions in your name.
- 04
Close
Closing typically 60–90 days from start. Funds wire on close.
What we look for.
Most files that fit these markers move quickly. If yours doesn't yet, we'll show you how to get there.
Get Pre-Qualified- 2+ years in business with profitability
- FICO 680+ (personal guarantee required)
- Industry-standard debt service coverage ratio (1.25+)
- Tax returns (business + personal, 3 years)
- Business plan and use of funds for larger requests
The ones we get most.
Often paired with SBA Loans
Commercial Real Estate Loans
- Buying your business's first owned location
- Refinancing maturing CRE debt
Small Business Loans
- One-time investments with a clear ROI
- Refinancing higher-cost debt (MCAs, high-rate cards)
Long-Term Loans
- Real estate purchases
- Business acquisitions
Apply for SBA Loans
Free 15-minute audit. Soft credit pull only. Pay only after funded.
Start My ApplicationSoft credit pull · No score impact · 15-min commitment