What is a SBA Loan?

The U.S. Small Business Administration does not typically lend directly to business owners. Instead, approved lenders make loans that may receive an SBA guarantee when the borrower, business, and use of funds meet program requirements.

SBA 7(a) financing may support a range of eligible business needs. SBA 504 financing is generally designed for eligible major fixed assets, such as owner-occupied real estate and long-term equipment, and is delivered through participating lenders and Certified Development Companies.

This option may be worth exploring if you:

• Own or are acquiring an eligible for-profit small business in the United States.

• Need financing for an eligible business purpose.

• Can provide financial records and demonstrate an ability to repay.

• Want to explore SBA-backed options alongside conventional business financing.

Potential uses

• Eligible business acquisition or expansion.

• Working capital through an eligible program.

• Owner-occupied commercial real estate.

• Eligible equipment, furniture, fixtures, or improvements.

• Refinancing qualifying business debt under applicable rules.

What to expect

The lender will evaluate the business, ownership, use of funds, financial performance, credit, collateral when applicable, and repayment ability. Eligibility, guaranty structure, documentation, fees, and timing depend on the SBA program and participating lender.

I will help you discuss the financing need, understand possible channels, and prepare for the next step. SBA program eligibility and approval are determined by the participating lender and applicable SBA requirements.