SBA loan

SBA 7(a) & 504 Loans

Government-guaranteed financing with the longest terms and lowest down payments — for owner-occupied real estate, business acquisitions, and major equipment.

See my options How it works

Best for

  • Owner-occupied commercial real estate
  • Business acquisitions with real estate
  • Hotel / hospitality acquisition (with operating component)
  • Heavy equipment and refinance of existing debt

What you'll need to qualify

  • Owner-occupied (51%+ for 7a real estate)
  • Strong personal credit (typically 680+)
  • Demonstrable repayment ability
  • U.S. citizen or LPR ownership

How it works

  1. 1

    We pre-qualify the deal against current SBA lender appetite (preferred lenders only).

  2. 2

    Build the SBA package — financials, business valuation, projections, sponsor docs.

  3. 3

    SBA Preferred Lender underwrites and closes; funding typically in 45–90 days.

The trade-offs

Pros

  • • Up to 90% financing — low down payment
  • • Long amortization (25 years for real estate)
  • • Competitive rates with government guarantee

Trade-offs

  • • Owner-occupancy required — not for pure investment
  • • Personal guarantee from all 20%+ owners
  • • Documentation-heavy and longer to close

Not ready to apply?

Ask us about SBA 7(a) & 504 Loans

Tell us roughly what you need and a Caplli advisor will come back with real lender appetite — no application, no credit pull.

No credit check to enquire · we never sell your details
A $500 credit review & due diligence fee applies once you formally apply — refunded if we can't get you terms.

See what you qualify for

Compare SBA loan offers from 75+ lenders. No credit hit, no obligation.

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Questions

SBA loan — common questions

What loan amounts does SBA loan financing cover?

$500K – $5M (7a) / $5M+ (504). Owner-occupied (51%+ for 7a real estate)

How fast can an SBA loan close?

45 – 90 days. SBA Preferred Lender underwrites and closes; funding typically in 45–90 days.

What rate should I expect?

Prime + competitive spread for well-qualified borrowers, on terms of 10 – 25 years. Actual pricing depends on leverage, sponsor experience, asset quality and where the debt markets are — the rate on your term sheet is the one that counts.

What do I need to qualify?

Owner-occupied (51%+ for 7a real estate). Strong personal credit (typically 680+). Demonstrable repayment ability. U.S. citizen or LPR ownership.

What should I watch out for?

Owner-occupancy required — not for pure investment. Personal guarantee from all 20%+ owners. Documentation-heavy and longer to close. We'll tell you which of these actually bite on your deal rather than leaving you to find out at underwriting.

Ready when you are

Ready to price an SBA loan?

Submit the deal and we'll bring you competing terms from lenders with active appetite — or talk it through with an advisor first.

Start your application → Schedule a call

Free quote, no credit check.