SBA Loans — 7(a) & 504
Two paths for eligible operating businesses: SBA 7(a) for a broad range of business needs, and SBA 504 for business-use real estate and long-life equipment. We help you understand which fits your project.
SBA 7(a): Business Growth & Acquisitions
For eligible business purchases, startups, working capital, equipment, expansion, qualified debt refinancing, and business-use real estate. Financing up to $5 million, with monthly payments and terms based on the use of funds. Full financial documentation and tax returns are required.
SBA 7(a) Considerations
- Credit requirements vary by funding partner
- Rates and fees depend on the offer
- Startup Financing Available
- Monthly Loan Payments
- Up to 25 years for eligible real estate uses
- Streamlined Underwriting
- Most Industries Considered
- Prepayment rules vary by loan structure
SBA 7(a) or SBA 504?
SBA 504: Business Property & Long-Life Equipment
Designed for eligible operating businesses purchasing, constructing, or improving business-use buildings and financing qualifying long-life machinery or equipment. Certain qualified debt refinancing may also be eligible.
504 financing involves a senior lender and a Certified Development Company (CDC). The SBA-backed portion and the total project financing are different amounts. We will explain the structure, borrower contribution, and applicable limits for your project.
It cannot fund ordinary working capital or inventory, or speculative investment in rental real estate. Real estate investors seeking rental-property financing should explore commercial financing or DSCR loans.
Which SBA program fits my goal?
Buying a business or funding operating needs: start with SBA 7(a).
Buying a building for your operating business or long-life equipment: compare SBA 504 with SBA 7(a), based on eligibility, project costs, and repayment structure.
Need temporary capital while waiting: explore business bridge financing. A bridge loan is a separate product, and approval of future SBA financing is not guaranteed.
What should I prepare?
Have your funding purpose, requested amount, business financials, tax returns, ownership details, and project information ready. Property and equipment projects may require additional documents. We will guide you through the funding partner’s requirements.
I Invest Realty Group, LLC is not a lender. SBA financing is subject to program eligibility, lender underwriting, and approval. Limits, rates, fees, terms, and availability depend on your project and the financing structure.
Let's See If This Fits Your Deal
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