SBA 7(a) Financing for Businesses and Buyers
SBA 7(a) is the most common path for our clients. We structure the deal, build the package, and find the lender that gets you funded.
How SBA 7(a) financing works
SBA 7(a) loans are made by participating lenders, with a partial guarantee from the U.S. Small Business Administration.
7(a) loans are commonly used for franchise startups, new franchise locations, business and franchise resale acquisitions, partner buyouts, and working capital. Some lenders we work with focus on smaller 7(a) loans that large volume lenders tend to pass on.
What lenders look at
Lenders focus on liquidity, how your household is covered during the first year, and collateral. We look at all three early.
Where we help
- We structure the deal.
- We build the package.
- We place it with lenders who do your size and type of deal.
Frequently Asked Questions
No. SBA 7(a) loans are made by participating lenders under SBA program requirements.
SBA 7(a) rates are set by the lender but capped by SBA, typically Prime plus 2% to 3% on startup deals.
Most SBA deals take 60 to 90 days from deal submission to funding, depending on how quickly documents come in and whether real estate is involved.
It depends on the lender. We work with lenders that do smaller SBA loans, and equipment or other options can fit smaller requests.