7(a) and 504 programs for business acquisitions, owner-occupied real estate, working capital, and equipment. We help you navigate the process and match you to the right SBA lender.
SBA financing offers longer terms and lower down payments, but the paperwork and lender requirements trip up a lot of borrowers. We package the deal correctly the first time and place it with an SBA lender who has an appetite for your industry and deal size.
Frequently Asked Questions
- What's the difference between SBA 7(a) and 504 loans?
- 7(a) is the most flexible program — business acquisition, working capital, equipment, and real estate all qualify. 504 is specifically structured for major fixed assets like owner-occupied real estate or heavy equipment, often with a lower down payment.
- What credit score do I need for an SBA loan?
- SBA lenders generally look for a personal credit score in the mid-600s or higher, though strong cash flow and collateral can offset a lower score. We'll assess your full picture before recommending a lender.
- How long does SBA loan approval take?
- Well-prepared 7(a) loans can get approved in 2-4 weeks; 504 loans, which involve a Certified Development Company, typically take 45-60 days. Complete documentation upfront is the biggest factor in speed.
- Can I use an SBA loan to buy an existing business?
- Yes — business acquisition is one of the most common uses of SBA 7(a) financing, including partner buyouts and franchise purchases.
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