SBA 7a Commercial Loans

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SBA 7a Loans For Owner Occupied Commercial Property different than the SBA-504 loan. They are designed to enables the small business owner to acquire the capital needed to support the growth of their business.  SBA-7(a) loans can be used to buy, construct or improve commercial buildings as well be used to purchase and install heavy machinery and equipment. SBA 7(a) loans can be used for working capital, franchise start up, equipment purchase and/or refinance, business acquisitions, franchise acquisitions. We have commercial lending partners of SBA-7a loans to arrange the necessary financing for your needs. 


The Small Business Administration 7a loan is very flexible. The maximum SBA-7(a) loan is $5 million and a business can have a net worth of up to $15 million and net income up to $5 million to qualify. The lender provides the financing in one loan and the SBA will provide a 75% guarantee on loans ranging from $150,000 to $5 million. You will need good credit and the business must have solid, consistent cash flow.  Inquiry below about getting approved for an SBA 7a commercial loans -















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To qualify for an SBA-7(a) loan, the business must:

  • Be a for profit business as a sole proprietorship, corporation, partnership or limited-liability corporation (LLC)
  • Have tangible net worth no greater than $15 million and average net profit after taxes below $5 million in the last two operating years
  • Not be delinquent on any existing or prior debt obligations to the U.S. government.
  • The borrower must achieve 51% owner occupancy for building they are purchasing
  • The borrower much achieve 60% owner occupancy for new construction
  • Amortization of loans will be dependent on the economic life of the asset being purchased


The 7(a) Loan Program is SBA’s primary program for helping start-up and existing small businesses, with financing guaranteed for a variety of general business purposes. SBA does not make loans itself, but rather guarantees loans made by participating lending institutions. In this way, taxpayer funds are only used in the event of borrower default. This reduces the risk to the lender but not to the borrower, who remains obligated for the full debt, even in the event of default.


Low rate options for the 90% bank financing piece of the loan. Conventional bank loans typically require a 20% down payment.

Low down payment retains capital in the business. The SBA-7(a) Loan has a down payment minimum of 10%. (Down payment is 15% for startup businesses). No balloon payments on the SBA portion of the loan. The loan is government guaranteed. Closing costs such as appraisal fee, environmental fees, contingency fees can be included in the financing. The SBA and their lending partners can consider projected income of a business in addition to historical cash flows. This is particularly advantageous for growing businesses.



























For small businesses seeking to purchase, refinance or build owner-occupied commercial real estate SBA-backed financing solutions are available. Funds may be used for a wide range of purposes, including:

  • Owner-occupied commercial real estate
  • Business expansion or acquisition
  • Franchise financing
  • Business startup costs
  • Financing newly established businesses
  • Partner or management buyout
  • Inventory purchase
  • Equipment, including restaurant equipment and vehicles
  • Machinery
  • Furniture
  • Debt refinance
  • Working capital​