CAPITAL FOR WHAT COMES NEXT.BUSINESS / REAL ESTATE / PERSONAL
DISTILLEDFUNDINGFind my path
SBA / 7(a)

SBA 7(a) Loans

SBA 7(a) financing can support a broad range of eligible business purposes, including acquisition and growth, subject to program and lender underwriting.

PART OF / SBA LoansUnderstand the parent funding structure
THE CONTEXT CHANGES THE CONVERSATION

Flexible SBA Capital for Eligible Business Uses.

SBA 7(a) financing can support eligible working capital, equipment, real estate and ownership changes through participating lenders.

01

Match each use of proceeds to program eligibility.

02

The lender reviews repayment capacity and the complete transaction.

PREPARE FOR THIS CONVERSATION

Bring the specifics.

  • Detailed use-of-funds schedule
  • Financial statements and lender application checklist

Keep an eye on

  • The lender determines required documentation and acceptable transaction structure.
  • Verify the current program requirements and lender terms for the specific transaction.
See the wider checklist
PRIMARY SOURCESSBA 7(a) program ↗
T / CAPITAL, CONSIDERED

Work through the assumptions.

ON THIS SITE

Capital route finder

Start with the purpose. Explore relevant capital lanes.

Explore ON THIS SITE

Funding readiness

Identify strengths, constraints and the next document to prepare.

Explore DISTILLED / TOOLS

Loan payment tools

Explore payment, term and total-cost scenarios in the Tools directory.

Open the tool directory
04 / CAPITAL, CONSIDERED

Keep these on the shortlist.

SBA LoansSBA-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.Business Term LoansTerm loans are built for defined uses of capital with a repayment period that gives the investment time to produce a return.
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.

Can one loan have several eligible uses?

The 7(a) program can support multiple eligible purposes. The lender must review the actual mix and supporting documents.

YOUR NEXT MOVE

A specific need deserves a specific plan.

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

Check readiness Prepare a funding brief