Furniture, Fixtures & Supplies SBA 7(a) Financing
Get the furniture, fixtures, and supplies your business needs with an SBA 7(a) loan. Financing up to $5M with terms up to 10 years for equipment.
What's Covered by This Loan
SBA 7(a) loans can finance a wide range of business furniture, fixtures, and supplies needed to launch or expand your operations.
Office Furniture
Desks, chairs, tables, cabinets, shelving
Restaurant Fixtures
Commercial kitchen equipment, counters, booths
Retail Displays
Display cases, shelving, point-of-sale systems
Salon/Spa Equipment
Chairs, stations, styling stations, furniture
Medical Office Furnishings
Examination chairs, cabinets, storage
Signage & Installation
Permanent and semi-permanent signage
💡 Combined Purchases
You can combine multiple categories into one loan—furniture plus fixtures plus supplies—simplifying your financing and getting better terms than separate purchases.
Loan Details & Terms
Flexible financing tailored for business equipment and fixtures
Loan Amount
Up to $5MM
SBA 7(a) maximum
Equipment Term
Up to 10 Years
Based on equipment life
Down Payment
Minimum 10%
SBA requirement
Interest Rates
7-10%
Competitive rates
Interest Rates & Fees
Interest Rates
Competitive rates typically range from 7% to 10% depending on your creditworthiness, down payment, and business profile. Better credit scores qualify for lower rates.
SBA Guarantee Fee
The SBA charges a guarantee fee (typically 2-3% of the loan amount). This is usually built into your loan rate rather than paid upfront, keeping your monthly payment affordable.
Benefits of Equipment Financing
Flexible Pricing
Longer loan terms mean lower monthly payments compared to leasing the same equipment.
Own Your Equipment
You own the assets from day one, building equity and avoiding long-term lease obligations.
Tax Advantages
Depreciation deductions on equipment purchases can reduce your taxable income.
Business Expansion
Upgrade your space with professional fixtures that impress clients and improve operations.
Collateral-Based Rates
Equipment serves as collateral, potentially qualifying you for better rates than unsecured loans.
One Simple Application
Single loan for all your furniture, fixtures, and supplies simplifies the approval process.
How the Process Works
From application to funding in 30-45 days
Apply
Submit your application with business information and details about the equipment/fixtures you need.
Get Pre-Approved
Our AI analysis reviews your application. Most approvals happen within 24-48 hours.
Documentation
Submit tax returns, financial statements, and other required documents. Lender processes quickly.
Fund & Equip
Once approved, funds are sent to your business. Get the fixtures and equipment you need.
Documents You'll Need
Be prepared with these documents for a faster application process
📄 Business Documents
- 3 years of business tax returns
- Current-year profit & loss statement
- 2-3 months of recent business bank statements
- Current balance sheet
- Equipment or vendor quotes (if available)
👤 Personal Documents
- Personal Financial Statement (SBA Form 413)
- 3 years of personal tax returns
- Photo ID (driver's license or passport)
- Social Security Number
- Personal credit authorization
📋 Download SBA Form 413
The Personal Financial Statement (SBA Form 413) is required from all owners with 20% or more equity. Download our template to get started.
Download SBA Form 413Frequently Asked Questions
Can I use SBA 7(a) financing to buy used furniture and fixtures?
Yes, you can finance used equipment and fixtures. The lender will factor in the condition and useful life of the items when determining loan terms.
Is there a limit to how much furniture I can purchase?
You can finance up to $5MM through an SBA 7(a) loan. Your specific approval amount depends on your business cash flow and ability to repay.
How long is the repayment term for equipment?
Equipment loans typically have terms up to 10 years. The exact term depends on the useful life of the equipment being financed.
Can I buy from any vendor or supplier?
You can generally purchase from any vendor. Most SBA lenders don't restrict where you buy, as long as you get competitive quotes.
What if I want to add more equipment later?
You can apply for an additional loan or request an increase to your existing credit line as your business grows.
Are there any restrictions on what type of equipment qualifies?
Most business furniture, fixtures, and supplies qualify. Items must be used for business purposes and have a useful life of at least 1-2 years.
Ready to Upgrade Your Space?
Get the furniture and fixtures your business needs with competitive SBA financing. Apply now and get pre-qualified in minutes.