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SBA 7(a) loans

Affordable, long-term funding backed by the government—up to $5 million with repayment terms up to 25 years.

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Key Highlights
Unlock your business
growth today
Increased Capital
Borrow up to $5M
Government-Backed
Competitive interest rates
Extended Repayment
Terms up
to 25 years
What is it?
Expand with confidence—backed by the SBA

SBA 7(a) loans are government-guaranteed business loans that offer some of the most borrower-friendly terms in the market. Use the funds for expansion, refinancing, working capital, equipment, or just about any long-term need.

If you’re thinking big and want affordable capital with room to grow, this is a great option. However, SBA processing is notoriously long, and most businesses have to wait at least 3 months to receive their funds.

If you’re looking for faster capital, National Business Capital has many cash-flow based solutions that can support your goals.

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Why get it?
Smart capital for serious growth

Business leaders think long-term. Your financing should, too.

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Higher amounts

Get up to $5M in
affordable financing.

Longer terms

Repayment plans
up to 25 years.

Lower rates

Government guarantee means better terms.

Flexible use

Use funds for nearly any business purpose.

What’s the difference?
SBA 7(a) vs other options
feature
feature SBA 7(a) Loan Term Loan Cash Flow Financing
Max Amount $5M $1–$2M $10M
Max Amount
feature: Max Amount
SBA 7(a) Loan: $5M
Term Loan: $1–$2M
Cash Flow Financing: $10M
Approval Speed Slower Moderate Fastest
Approval Speed
feature: Approval Speed
SBA 7(a) Loan: Slower
Term Loan: Moderate
Cash Flow Financing: Fastest
Repayment Term Up to 25 years 1–10 years 6–24 months
Repayment Term
feature: Repayment Term
SBA 7(a) Loan: Up to 25 years
Term Loan: 1–10 years
Cash Flow Financing: 6–24 months
Best For Long-term expansion Medium-term growth Short-term needs
Best For
feature: Best For
SBA 7(a) Loan: Long-term expansion
Term Loan: Medium-term growth
Cash Flow Financing: Short-term needs
Why choose National Business Capital?
SBA loan navigation made simple

Start today and get one step closer to long-term growth.

Apply Now

 

We help you cut through red tape, finding the smartest path to approval with the best offer—faster.

  • Access to top SBA lenders
  • Expert SBA loan advisors
  • Competitive rates, flexible terms
  • Support that doesn’t stop at funding
Linda Luke
Owner, The Village Gardens, Inc

Funds as you need them, when you need them

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do i qualify?
Eligibility at a glance

SBA 7(a) loans come with more requirements—but also
bigger rewards. Here’s what you need to qualify:

  • $500,000+ annual revenue
  • 2+ years in business
  • 685+ personal credit score
  • Ownership of a profitable business
Check Eligibility

Not a match? Check out your other options

What do I need to PROVIDE?
Required documents

SBA loans require more paperwork than other financing types. Here’s what you’ll need:

  • SBA forms 1919 & 413
  • Three years of business tax returns
  • Articles of incorporation or organization
  • Loan application history (if applicable)
  • Business plan (including financial projections)
  • Collateral documentation (if offering collateral)
  • Business financial statements
  • Three years of personal tax
returns (for each owner
with 20% or more ownership)
  • Business certificate or license
  • Ownership and affiliations list
  • Resumes for each principal
  • Lease agreement (if applicable)
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FAQs

You can access up to $5.5 million through the SBA 504 program. If you qualify for multiple 504 loans (e.g., for green energy initiatives), you may access up to $16.5 million in total.

You can leverage SBA loans for “almost” every business purpose, including:
Purchase land Inventory/supplies
Raw materials Improve a property
Working capital
Equipment
Payroll
Constructing buildings (up to 2)
And more!
You can’t use an SBA Loan for investment real estate (to sell or lease), refinance existing debt that would “expose the SBA to a loss,” pay delinquent taxes, or relocate the borrower from a community where their departure would result in a significant increase in unemployment.

The SBA uses the FICO SBSS score to evaluate borrowers. During the closing process, there is a tri-merge hard credit pull that will impact your credit.

SBA loans typically don’t show up on your personal credit report.

It’s more involved than other loans, but with the right guidance, it’s very doable. Strong credit, revenue, and documentation improve your chances significantly.

Let’s talk funding
Fuel your next stage of business growth

Ready to take the next step? Let’s get you funded.

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