What SBA 7(a) loans can fund
- Working capital and inventory
- Buying a business or partner buyouts
- Owner-occupied commercial real estate
- Equipment and improvements
- Refinancing higher-cost business debt
Who qualifies
SBA 7(a) is for for-profit U.S. small businesses. A 650 credit score is the minimum (700+ preferred), owners of 50%+ personally guarantee, and startups are considered. Up to 100% LTV is possible on some deals.
SBA 7(a) Loans: terms at a glance
| Loan amount | $25,000 – $5,000,000 |
|---|---|
| Rates | WSJ Prime + 0.75% and up |
| Term | 5 – 25 years |
| Min credit | 650 (700+ preferred) |
| Time in business | Startups considered |
| Funding | As fast as 2 weeks |
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.