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SBA 7(a)

The 7(a) program is SBA's primary lending program. Highly versatile, this program can be used for a wide range of purposes ranging from working capital to owner occupied real estate and business acquisition to debt refinancing.

Most for-profit, operating entities are eligible. This program excludes non-profit entities, or businesses that are passive, speculative, or investment in nature.

  • Loan amounts up to $5,000,000
  • 7 years for working capital and inventory
  • 10 years - Business acquisition, equipment, or tenant imporovements
  • 10 years - Debt refinance
  • 25 years - Owner-occupied commercial real esate

SBA 504

The 504 program is more restrictive than the 7(a) program but offers low down payments and long-term, competitive fixed rates as its primary benefits. This program can be used for construction or purchase of owner-occupied commercial real estate or the acquisition of long-lived, heavy machinery and equipment.

As with the 7(a), most for-profit borrowers are eligible. Non-profits and speculative, passive, or investment businesses will not qualify for this program.

  • No cap on total project amount
  • 20 year amortization for real estate
  • 10 year amortization for equipment


Businesses eligible for the USDA B&I program include both for-profit and non-profit entities. The program includes a wide variety of eligible uses including:

  • Business and industrial acquisitions.
  • Business conversion, enlargement, repair, modernization, or development.
  • Purchase and development of land, easements, rights-of-way, buildings, or facilities.
  • Purchase of equipment, leasehold improvements, machinery, supplies, or inventory.

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