CAPITAL FOR WHAT COMES NEXT.BUSINESS / REAL ESTATE / PERSONAL
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BUSINESS / SBA

SBA Loans

SBA-backed financing can support business growth, acquisition, real estate, and other eligible uses, but the tradeoff for structure and economics is usually more underwriting, documentation, and patience.

Check my readiness Compare the structures
01 / UNDERSTAND THE STRUCTURE

A stronger file. A clearer SBA path.

SBA programs support eligible small-business financing through lenders and intermediaries. The 7(a), 504 and microloan programs have different permitted uses and underwriting requirements.

Where it can fit

  • Eligible businesses with a documented repayment plan
  • Operators who can prepare a complete lender file

Common uses

Eligible business investmentEligible acquisition or fixed assets
02 / THE QUALIFICATION PICTURE

What shapes the file.

  • Program eligibility
  • Ability to repay
  • Use of proceeds and lender requirements

General product guidance. A provider’s actual criteria and review determine eligibility.

Documents to prepare

  • Business financials and tax returns
  • Ownership and existing debt information
  • Use-of-funds schedule and supporting documents
Build a document checklist
03 / READ THE FINE PRINT

Know the tradeoffs.

  • Program eligibility does not guarantee lender approval.
  • Documentation and permitted uses differ by program.
Understand the full cost
PRIMARY SOURCESSBA loan programs ↗Program details can change. Confirm current rules and offer terms with the provider.
↳ / CAPITAL, CONSIDERED

Go deeper into this lane.

SBA 504 LoansSBA 504 financing is commonly associated with eligible fixed-asset projects; exact structure and eligibility should be verified for the specific transaction.SBA 7(a) LoansSBA 7(a) financing can support a broad range of eligible business purposes, including acquisition and growth, subject to program and lender underwriting.SBA Acquisition LoansSBA acquisition financing may support eligible change-of-ownership transactions when the buyer, target business, and deal structure meet program and lender requirements.SBA Commercial Real Estate LoansSBA commercial real estate financing can be relevant for eligible owner-occupied business property transactions, subject to program and lender requirements.SBA MicroloansSBA microloan programs can serve smaller financing needs, but availability, use of funds, and underwriting vary by participating intermediary.
T / CAPITAL, CONSIDERED

Put the numbers to work.

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Funding readiness

Identify strengths, constraints and the next document to prepare.

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04 / CAPITAL, CONSIDERED

Keep these on the shortlist.

SBA 7(a) LoansSBA 7(a) financing can support a broad range of eligible business purposes, including acquisition and growth, subject to program and lender underwriting.SBA 504 LoansSBA 504 financing is commonly associated with eligible fixed-asset projects; exact structure and eligibility should be verified for the specific transaction.SBA MicroloansSBA microloan programs can serve smaller financing needs, but availability, use of funds, and underwriting vary by participating intermediary.
THE BIGGER PICTURE

Capital is one part
of the plan.

Solutions / Improve cash flow Solutions / Finance business growth
Q / CAPITAL, CONSIDERED

A question worth asking.

Does the SBA make every loan directly?

No. These programs generally operate through participating lenders or intermediaries. Confirm the applicable program and application process.

YOUR NEXT MOVE

Make your next move an informed one.

Start with your profile. Understand the tradeoffs. Prepare a clear request.

Check readiness Prepare a funding brief