Two programs, two jobs
- SBA 504 — own your real estateOwner-occupied commercial property and long-life equipment, with a low down payment and long, often-fixed terms.
- SBA 7(a) — flexible business capitalAcquisition, partner buyouts, working capital, equipment, or owner-occupied real estate — the SBA’s most flexible program.
- Preserve your cashLower down payments than conventional commercial keep working capital in the business.
- Guidance through the paperworkSBA has more steps — a specialist keeps it moving and predictable.
Is it a fit?
General starting points — SBA eligibility depends on the business, use of funds, and occupancy. Your specialist confirms the details.
Down payment
10%+
Often lower than conventional commercial financing.
Occupancy
51%+ owner-occ
SBA real estate is for owner-occupied business property.
Term
Up to 25 yrs
Longer amortization keeps payments manageable.
Common questions
504 or 7(a) — which one?
If you’re buying or refinancing owner-occupied real estate or major equipment, 504 is usually the fit. If you also need working capital, want to buy a business, or need more flexibility, 7(a) is often better. We’ll help you choose.
Can I use SBA to buy the building my business rents?
Often yes — owner-occupied real estate is a classic SBA use. Your specialist will confirm occupancy and eligibility.
How long does SBA take?
More steps than a conventional loan, but a good specialist keeps it predictable. We set expectations up front and manage the timeline.
Where do you lend?
SBA financing is available to eligible businesses nationwide.
Ready when you are
Let’s fund your next move.
Answer a few quick questions and an SBA specialist will follow up.