SBA 7(a) Loans
Program
One Powerful Loan Program. Multiple Ways to Grow Your Business.
Buy a business. Purchase commercial real estate. Refinance eligible business debt. Finance equipment. Add working capital. Expand your operation.
The SBA 7(a) Loan Program is the U.S. Small Business Administration’s primary business loan program—and one of the most flexible financing solutions available to qualified small businesses. At SBAcommercialloans.com, powered by Commercial Lending USA, we help business owners navigate the SBA financing process, structure their transactions, and explore financing options that fit their business objectives.
Uses of Proceeds
What Can an SBA 7(a) Loan Do for Your Business?
An SBA 7(a) loan can be used for much more than purchasing commercial real estate.
Qualified borrowers may use SBA 7(a) financing for a wide range of eligible business purposes, including:
Buying an existing business
Purchasing owner-occupied commercial real estate
Acquiring land and constructing business facilities
Expanding or renovating existing facilities
Purchasing machinery and equipment
Financing furniture, fixtures, and supplies
Providing working capital
Refinancing certain eligible business debt
Purchasing inventory
Business ownership changes.
Combined business financing.
Open a new business location
Property eligibility and loan requirements vary by program.
Highlights
One Transaction. Multiple Needs. One Financing Strategy.
SBA 7(a) Loan Highlights
Business Acquisition
Buying a Business?
Turn the Right Opportunity into Your Next Business.
Acquiring an established business can involve much more than financing the purchase price. You may also need financing for real estate, equipment, inventory, improvements, and working capital.For eligible transactions, an SBA 7(a) loan can potentially bring several financing needs together under one structure.
Whether you’re purchasing a restaurant, medical practice, hotel, franchise, manufacturing company, service business, or another eligible business, our team can review the complete transaction and help you explore an appropriate financing strategy.
Commercial Real Estate
Buying Commercial Real Estate?
Stop Paying Rent. Start Building Your Business.
If your company needs a new location, SBA 7(a) financing may help qualified borrowers purchase, construct, renovate, or improve eligible owner-occupied commercial real estate.
Office Buildings
Medical & Dental Offices
Restaurants
Hotels & Motels
Warehouses
Manufacturing Facilities
Retail Properties
Daycare Centers
Automotive Facilities
Veterinary Clinics
Assisted Living Facilities
Franchise Locations
Other Eligible Commercial Properties
Every transaction is different.
Property type, occupancy, business performance, cash flow, borrower qualifications, and the overall structure of the transaction can all affect financing.
Bank Declines
Has Your Bank Declined the Deal?
A Bank Decline Doesn’t Always Mean the Opportunity Is Over.
A bank may decline a commercial loan for many reasons. The transaction may fall outside its internal lending guidelines. The industry or property type may not fit its credit appetite. The acquisition may be complicated. Or the transaction may simply require a different financing structure.
At SBACommercialLoans.com, we don’t stop with one program. Commercial Lending USA has access to a broad range of commercial financing programs.
Partners
SBA 7(a) Loans for Brokers & Loan Officers
Have an SBA Deal You Don't Want to Lose?
Commercial Lending USA works with commercial mortgage brokers, loan officers, business brokers, and referral partners nationwide.
Has been declined by a bank
Has a complicated business acquisition
Needs both business and real estate financing
Requires a creative financing structure
Has an unusual commercial property
Needs an alternative to traditional bank financing
Has a transaction you're unsure where to place
Send Us the Scenario.
Our commercial lending team can review the transaction and explore potential financing options for your client.
Next Step
Ready to Explore SBA 7(a) Financing?
Whether you’re buying a business, purchasing commercial real estate, refinancing eligible business debt, purchasing equipment, expanding your company, or looking for working capital, the right financing structure can make a difference.
Don’t spend weeks approaching lender after lender.
Start With the Transaction.
Let Us Explore the Financing.
Ready to Discuss Your SBA 7(a) Loan?
APPLY ONLINE
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