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Rhode Island · Small business funding

SBA 7(a) Loans in Rhode Island

Government-backed loans for Rhode Island small businesses, with low down payments and long terms for working capital, business acquisitions, owner-occupied real estate and debt refinancing.

Loan size$25K–$5MM
Rates fromPrime + 0.75%
Term5–25 years
Min credit650
Rhode Island SBA 7(a) loans$25K–$5MM · Prime + 0.75%2,000+ capital partners

SBA 7(a) Loans in Rhode Island

Win-Win Capital Funding arranges SBA 7(a) loans for Rhode Island businesses through our SBA lender network, so you can compare offers side by side. Prequalifying doesn't affect your credit.

Rhode Island SBA 7(a) loan programs

UseLeverage / amountTerm
Working capitalUp to $5MMUp to 10 years
Business acquisition / partner buyoutOften 10% downUp to 10 years
Owner-occupied real estateUp to 90% LTV, more on some dealsUp to 25 years
Equipment & improvementsUp to $5MMUp to 10 years
Debt refinanceUp to $5MMMatches the use

What we finance in Rhode Island

  • Working capital and inventory
  • Buying a business or a partner buyout
  • Owner-occupied commercial real estate, including RV parks, hotels and gas stations
  • Equipment and improvements
  • Refinancing higher-cost business debt
  • Startups with industry experience

Areas we serve in Rhode Island

  • Cranston
  • Newport
  • Pawtucket
  • Providence
  • Warwick

We also lend in suburban, rural and resort markets throughout Rhode Island.

More Rhode Island financing

Fix & flip loans in Rhode Island · Hard money in Rhode Island · RV park financing in Rhode Island · Business HELOC in Rhode Island · Business second mortgage in Rhode Island · DSCR Loans in Rhode Island · Bridge Loans in Rhode Island · Ground-Up Construction Loans in Rhode Island

Investors in nearby states can see SBA 7(a) Loans in Massachusetts, SBA 7(a) Loans in Connecticut.

Business funding is arranged through Win-Win Capital Funding's lender network. Rates, terms and amounts depend on credit, time in business, revenue and collateral, and all financing is subject to lender approval and SBA rules. This is not a commitment to lend.

Questions

SBA 7(a) Loans in Rhode Island: FAQ

Who qualifies for an SBA 7(a) loan in Rhode Island?

For-profit Rhode Island small businesses. A 650 credit score is the minimum (700+ preferred), owners of 20% or more personally guarantee, and startups are considered with industry experience.

How long does an SBA loan take in Rhode Island?

As fast as 2 weeks with a complete file; many take 30–60 days.

What's the down payment on a Rhode Island SBA loan?

Often 10% or less, and up to 100% financing on some deals.

Can I buy commercial real estate in Rhode Island with SBA 7(a)?

Yes, if your business occupies it. Owner-operated properties such as RV parks, hotels and gas stations qualify.

Keep exploring

Related loan programs

More in Commercial real estate

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