SBA loans (7(a) and 504)
Government-backed loans with favorable terms.
SBA loans are partially guaranteed by the U.S. Small Business Administration, making them one of the most attractive options for small businesses. Lower down payments, longer terms, and competitive rates make 7(a) and 504 programs ideal for real estate, acquisitions, and major expansions.
What financing typically looks like.
Ranges are indicative. Final structure depends on your business profile, lender criteria, and current market conditions.
- Loan size
- $50K to $5M
- Term length
- 10 to 25 years
- Typical rate
- Prime + 2.25% to 4.75%
- Time to fund
- 30 to 90 days
- Collateral
- Required for loans > $50K
- Lower down payments (as low as 10%)
- Repayment terms up to 25 years for real estate
- Competitive, government-backed interest rates
- Loan amounts up to $5 million
- 2+ years in business (startups considered with strong plan)
- Minimum 680 credit score
- Demonstrated repayment ability
- U.S. citizen or lawful permanent resident owner
- Full business and personal financial package
Ideal use cases
Buying commercial real estate, acquiring an existing business, refinancing debt, major expansions, long-term fixed assets.
Estimate your payment.
SBA loan calculator
Long terms, lower down payments — estimate your SBA 7(a) or 504 payment.
Estimates only — actual terms depend on your business profile and lender criteria.
Common questions about sba loans.
What is the difference between 7(a) and 504?
7(a) is the most flexible SBA loan, used for working capital, acquisitions, and real estate. 504 is specifically for owner-occupied commercial real estate and heavy equipment with two-loan structure and fixed long-term rates.
How long does SBA approval take?
Standard SBA timelines run 60 to 90 days. SBA Express loans can close in 30 days for amounts up to $500K.
Can SBA loans be used to buy a business?
Yes. SBA 7(a) is the most common vehicle for business acquisitions up to $5M, typically with 10% buyer equity.
Are SBA loans only for very small businesses?
No. SBA size standards are generous, most businesses under $25M in revenue qualify by SBA definition.
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