By loan type
SBA loans by type
The main ways businesses put SBA 7(a) & 504 financing to work. Pick the use that fits your plan to see how the loan is structured, what lenders look for, and who is actively funding it.
Business acquisition
SBA Loans to Buy a Business
SBA 7(a) loans are one of the most common ways to finance buying an existing business — often up to $5 million, with as little as 10% down and terms up to 10 years.
Owner-occupied CRE
SBA Loans for Commercial Real Estate
SBA 504 and 7(a) loans finance owner-occupied commercial real estate — buying, building, or renovating the property your business operates from — with low down payments and long, fixed terms.
Franchise financing
SBA Loans for Franchises
SBA loans are a popular way to fund a franchise — covering the franchise fee, build-out, equipment, and working capital — for brands listed on the SBA Franchise Directory.
Working capital
SBA Working Capital Loans
SBA 7(a) loans and lines of credit provide working capital to cover payroll, inventory, marketing, and day-to-day operations — with longer terms and lower rates than most short-term options.
Equipment financing
SBA Loans for Equipment
SBA 7(a) and 504 loans finance equipment and machinery — from kitchen lines and medical devices to manufacturing and construction equipment — with terms matched to the asset's useful life.
Other ways to find your SBA lender
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