SBA 7(a)loans up to $5 million
SBA 7(a)loans up to $5 million
Buy a business.
Buy your building. Grow on SBA terms.
Buy a business.
Buy your building. Grow on SBA terms.
Run your dealthrough ourfree SBA calculator. See your down payment, an estimated monthly payment, and whether cash flow covers it atthe 1.25x lenders look for. Ittakes about 3 minutes.
Run your dealthrough ourfree SBA calculator. See your down payment, an estimated monthly payment, and whether cash flow covers it atthe 1.25x lenders look for. Ittakes about 3 minutes.
Up to $5M
per loan
Up to $5M
per loan
10% down
as little as, on business purchases
10% down
as little as, on business purchases
Up to 25 yrs
on real estate
Up to 25 yrs
on real estate
Bonus: get the free SBA Business Buyer's Checklist with your results.
What you can do with a 7(a)
What you can do with a 7(a)
The SBA's most popular loan. One loan can coverthe purchase,the building and
the cash to run it.
The SBA's most popular loan. One loan can coverthe purchase,the building and
the cash to run it.
Buy a business
Acquire an established company with proven cash flow, including goodwill, inventory and equipment.
Buy a building
Stop paying rent.Buy, build or refinance the commercial property your business operates from.
Expand or renovate
Open a second location, remodel, add space or build out a new facility.
Working capital & equipment
Fund inventory, payroll, equipment and growth, on its own or as part of a bigger deal.
How the calculator does the math
How the calculator does the math
The same three checks a lender runs first on an SBA 7(a) deal.
The same three checks a lender
runs first on an SBA 7(a) deal.
10% down
The SBA minimum on a business purchase
You bring atleast10% ofthe total project. A qualifying seller note can cover up to half ofthat ifit meets SBA standby rules. Some lenders ask for more
10 or 25 years
Long terms,lower payments
Business purchases, equipment and working capitaltypically run up to 10 years.Buying or building real estate can go up to 25 years.
1.25x coverage
Cash flow vs.loan payments
Lenders want cash flow of atleast1.25 times the yearly loan payments, so there’s a cushion if a month runs slow.
Illustration only. Final amounts, rates and terms depend on the lender,the deal and SBA rules atthe time of approval.
What lenders look for
What lenders look for
You don't need to be perfect on every point. This is what we'll go overtogether.
You don't need to be perfect on every point. This is what we'll go overtogether.
Steady cash flow
The business (yours orthe one you’re buying) needs to earn enough to coverthe new loan payment with room to spare.
At least 10% down
Cash, and in some deals a seller note, toward the total project cost.
Solid personal credit
Mostlenders look for a good track record. We’lltell you where you stand.
Relevant experience
Industry or management experience matters most when you’re buying a business.
U.S. owned and operated
Under current SBA rules,the business must be for-profit, operate in the U.S., and be owned by U.S. citizens or nationals.
You occupy the building
For real estate, your business generally has to occupy most ofthe property, notlease it out.
Free - 1 Page
Free - 1 Page
The SBA Business Buyer's Checklist
The SBA Business Buyer's Checklist
Keep it next to you when you talk to the seller. You get it free when you run your numbers above.
Keep it nextto you when you talk to the seller. You getitfree when you run your numbers above.
Documents to gather from you and the seller
Questions to ask before you make an offer
The 10% rule and how a seller note can help
Red flags that stall or sink SBA deals
From first call to closing
From first call to closing
Run your numbers
Use the calculator above. Your specialist reviews the deal and tells you honestly whether it’s a fit.
Package and match
We help assemble your financials and match your deal with SBA lenders who do this kind ofloan.
Approval and closing
SBA loans take longerthan a quick business loan, often a couple of months. We keep it moving and keep you posted.
Common Questions
Common Questions
Is 10% down really enough?
For business purchases,10% ofthe total projectis the SBA minimum. Some lenders ask for more depending on the deal. We’ll show you what yours needs.
Can the seller finance part of the purchase?
Often, yes. A seller note can be part ofthe deal, and a qualifying one can cover up to half of your10% if the seller agrees to SBA standby terms. We’ll walk through it.
Is the calculator a loan offer?
No. It’s an estimate using the rate you enter. Your lender sets the actual rate and terms, within SBA limits.
Do I need collateral?
Lenders take available business and personal collateral, but under SBA rules a loan generally isn’t declined only because collateral is short.
How long does it take?
Longer than a quick loan. Many SBA deals close in about 60–90 days, depending on the deal and how fast documents come in.
Are you the lender or the SBA?
Neither. SB Lending is a broker that works with SBA-approved lenders. We prepare your deal and match you with the right bank.
Found the business or the building?
Found the business or the building?
Run the numbers before you make an offer. It's free.
Run the numbers before you
make an offer. It's free.
Not affiliated with the SBA. Subject to lender approval.
SB Lending is a commercial finance broker, not a direct lender, and is not affiliated with or endorsed by the U.S. Small Business Administration. We connect businesses with SBA-approved and other third-party lenders. Calculator results are estimates for illustration only and are not a loan offer, rate quote or commitment to lend. SBA 7(a) loans go up to $5 million, and under current SBA rules all owners must be U.S. citizens or U.S. nationals. All loans are subject to lender approval and SBA eligibility rules, which can change. Pre-qualification does not affect your credit score; a lender will perform a credit check before approval · Privacy policy · Terms