Growing a business

SBA financing for business owners.

SBA loans are made by lenders and partially guaranteed by the U.S. Small Business Administration, which can help small business owners access financing.

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The Basics

What SBA loans can fund

Depending on the program, SBA financing can be used to buy or improve owner-occupied commercial property, purchase equipment, fund working capital, or buy an existing business. Common SBA programs include the 7(a) and 504 loan programs, and each has its own uses and guidelines.

Who it's for

Owners buying the building their business occupies
Businesses adding equipment
Buyers purchasing an existing business
Owners funding expansion or working capital

What lenders typically review

Business tax returns and financial statements
Personal financial information for owners
A business plan or description of how funds will be used
Ownership structure
Collateral, when required

How It Works

From first call to closing.

Every deal is a little different. Here is the general path, and we will tailor it to you.

1
Talk about your plans
What you want to buy or fund, and why.
2
Gather financials
Business and personal documents for review.
3
Underwriting
The lender reviews the request under SBA guidelines.
4
Close
Funds for your building, equipment, or growth.

Good Questions

SBA questions.

Have a question that is not here? Ask us. No question is too basic.

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Does the SBA lend the money directly?

For these programs, no. Lenders make the loan, and the SBA guarantees part of it, which can reduce risk for the lender.

What does owner-occupied mean?

It means your business uses the property itself rather than renting all of it to others. SBA programs have specific occupancy rules, and we will explain them.

How much documentation is involved?

SBA loans typically need more paperwork than a home loan. We will give you a clear list up front.

Keep Exploring

Related programs.

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All loans are subject to credit approval, underwriting, and property review. Program availability, terms, and requirements vary and can change. This page is general information, not a commitment to lend. We will explain the requirements for any program before you apply.

Questions about SBA financing?

Tell us what you are working on, and we will walk you through whether this program may fit.

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