Loan Programs For Your Business
Explore SBA 7(a) financing options tailored to your business needs. From real estate and equipment to working capital and startups, find the right program for you.
SBA 7(a) Loan Structures
The SBA 7(a) program offers several loan structures depending on your loan size, timeline, and business needs.
Standard SBA 7(a)
Real estate purchases, large equipment, acquisitions, and multi-purpose loans requiring full SBA review.
SBA Express
Faster approvals (36-hour SBA turnaround) for working capital, lines of credit, and smaller equipment needs.
CAPLines
Revolving lines of credit for seasonal businesses, contractors, or companies with cyclical working capital needs.
Export Loan Programs
Export Working Capital (EWCP), Export Express, and International Trade loans for businesses selling goods or services overseas.
Key Loan Terms
Eligible Uses of Funds
Eligibility Requirements
Time in Business
2+ years in operation preferred. Startups may qualify with strong business plans and owner experience.
Credit Score
650+ personal credit score recommended. Business credit history reviewed. Lower scores may still qualify with compensating factors.
Cash Flow (DSCR)
Demonstrated ability to repay. SBA requires a debt service coverage ratio (DSCR) of at least 1.15x — meaning $1.15 in income for every $1.00 of debt.
US-Based Business
Business must operate in the United States or its territories. Majority US ownership required (51%+).
For-Profit Small Business
Must be a for-profit business that meets SBA size standards (varies by industry). Most small businesses qualify.
Not Sure Which Program Fits?
Fill out our quick pre-qualification form and we'll match you with the right SBA 7(a) loan program for your business.