SBA · Resource Center

SBA financing,
explained plainly.

Everything here says what the programs actually do - structure rules, real math, honest timelines. No teaser rates, no promises the underwriting cannot keep.

By Christiaan De Leeuw · Stonehaven Lending · Updated July 30, 2026

1

SBA 7(a) vs 504: how to choose

Two programs, two shapes. Which one your deal wants, and why.

Read the guide

2

The down payment, explained

When 10% is real, when it is 15% or 20%, and what counts as injection.

Read the guide

3

Timeline & document checklist

What actually determines speed, and the file that prevents delays.

Read the guide

4

SBA loan calculator

Model a 7(a) or 504 structure with your numbers - injection, components, payment vs. rent.

Run your numbers

5

60-second readiness check

Answer a few questions and see what to work on - honestly.

Take the check

6

Talk to a specialist

Fifteen minutes, honest answers, no credit pull at this stage.

Request a call

Ready When You Are

Put your project in front of a specialist.

Program fit, the injection your project would really need, and what to gather first - within one business day.

Request an SBA call