SBA 7(a) and 504 loans
for business growth
Buy a business or your building. Nationwide.
Buy a business
7(a) finances acquisitions, goodwill included.
Buy your building
504 or 7(a) from 10% down for qualifying projects.
Grow or refinance
Expansion, equipment, partner buyouts, refinancing.
SBA 7(a) and 504 loans finance owner-occupied real estate and business acquisitions with lower down payments and longer terms. We arrange them through participating lenders. Each loan must qualify under SBA rules; passive investment property is generally not eligible.
Buy or build the property you operate from with less capital up front.
Built for the operating business
7(a): owner-occupied real estate, acquisitions, equipment, working capital up to $5M. 504: a bank loan plus CDC debenture for larger real estate and heavy equipment. Both from 10% down.
Occupying less than half the property? See conventional commercial.
SBA loan parameters
How SBA eligibility works
For-profit, U.S.-based, within SBA size standards, occupying at least 51% of an existing building (60% of new construction). Underwriting weighs cash flow, owner credit and experience, and collateral.
Clean financials move the file faster.
When SBA financing fits
Owner-occupied real estate
Buy or build where you operate.
Business acquisition
Buy an existing business.
Expansion
Equipment, renovation, second location.
Partner buyout
Buy out an exiting owner.
From inquiry to closing
Inquiry
Tell us about the business and property.
Structure
We pick 7(a) or 504 and outline terms.
Underwriting
We assemble the package and manage the file.
Closing
Documents sign and the loan funds.
Frequently asked questions
What is the difference between an SBA 7(a) and a 504 loan?
7(a) is flexible, up to $5M. 504 pairs a bank loan with a CDC debenture for larger real estate and equipment.
How much down payment does an SBA loan require?
As little as 10% for owner-occupied real estate, depending on property, business, and program.
What credit score do I need for an SBA loan?
No published minimum. Cash flow, experience, and collateral matter as much as the score.
What can an SBA loan be used for?
7(a): real estate, acquisitions, equipment, working capital, some refinances. 504: real estate and major fixed assets.
Can I use an SBA loan to buy a building for my business?
Yes, the most common use, if your business occupies at least 51%.
How long are SBA loan terms?
Up to 25 years on real estate; shorter for equipment.
Discuss your financing
A specialist responds within one business day. No obligation.
Weighing rent vs own? Get the 10%-down guide.
We reply within one business day.
Prepare the next decision
Before entering calculator assumptions, use the SBA 7(a) versus 504 comparison to separate use of funds from financing structure. Then review the SBA down payment guide to organize borrower equity and costs that need confirmation.
A target closing date needs a complete file behind it. The SBA timeline and document checklist explains what to prepare; our SBA financing resources bring these decisions together for the lender conversation.