SBA 7(a) Loans Nationwide, Up to $5 Million
⭐ The SBA’s Flagship Business LoanI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. SBA 7(a) loans are the most flexible program the SBA offers … up to $5 million for acquisition, real estate, equipment, working capital or refinancing costly debt, with long terms and capped rates. The SBA doesn’t lend directly, so I match you to the SBA partner lender most likely to approve your exact deal.
Buyer Acquired a $2M Business With 10% Down on a 10-Year SBA 7(a)
One of the most common SBA 7(a) loans I place is a business acquisition. A buyer wanted to acquire an established business priced at $2 million but did not want to drain every dollar of liquidity to do it. A conventional lender wanted far more down and a much shorter payback.
He called me. I matched him to the right SBA partner for an SBA 7(a) loan at roughly 90% financing, about 10% equity injection, amortized over 10 years. The long term kept the payment manageable, and he closed with cash still in reserve to actually run the business.
That is the difference between fighting one bank alone and a broker who sends you to the right SBA lender. Don’t Beg the Bank! Get funded instead.
SBA 7(a) Loans Fund Almost Anything Your Business Needs
SBA 7(a) loans are the SBA’s primary and most flexible program. Per the SBA, a 7(a) loan can be used across all of the purposes below, including in a single multiple-purpose loan. That flexibility is exactly why SBA 7(a) loans are the program most owners ask me about before any other SBA 7(a) loans option.
SBA 7(a) Loans to Buy a Business
Finance a complete or partial change of ownership, including the purchase price, working capital and transaction costs.
Real Estate and Buildings
Acquire, refinance or improve owner-occupied commercial real estate and buildings on terms up to 25 years.
Machinery and Equipment
Purchase and install machinery and equipment, including AI-related expenses, to grow capacity and efficiency.
Working Capital
Short- and long-term working capital to fund operations, payroll, growth and the day-to-day of running the business.
Refinance Business Debt
Roll existing high-interest or short-term business debt into a longer, lower-rate SBA structure and free up cash flow.
Furniture, Fixtures and Supplies
Purchase the furniture, fixtures and supplies a growing business needs, on its own or inside a multiple-purpose loan.
SBA 7(a) Loan Rates Are Capped by the SBA
Here is the honest part most pages skip about SBA 7(a) loans: the SBA does not set your rate, it sets a ceiling. Your lender prices SBA 7(a) loans within that cap based on your business, your credit and the loan size. The SBA publishes the maximum spread over a base rate, and a strong borrower lands well below the cap. These are the maximums, not what you will necessarily pay.
| Loan Size | SBA Maximum Rate | What It Means |
|---|---|---|
| $50,000 or less | Base rate + 6.5% | Highest cap, smallest loans |
| $50,001 to $250,000 | Base rate + 6.0% | Mid-size working capital |
| $250,001 to $350,000 | Base rate + 4.5% | Larger growth capital |
| $350,001 and greater | Base rate + 3.0% | Lowest cap, biggest deals |
Swipe to see all columns →
Rate caps shown are the SBA’s published maximum spreads over a base rate (such as the prime rate); your lender sets the actual rate within the cap, and rates may be fixed or variable. The maximum 7(a) loan amount is $5 million. Terms run up to 25 years for real estate and typically up to 10 years for working capital, equipment or a business acquisition. A 650 FICO is a typical lender floor, not an SBA rule, and the down payment is a lender-set equity injection often around 10%. Final rate, term and structure are set by the SBA and the lender based on your business and use of funds. This is not a commitment to lend.
SBA 7(a) Loans Eligibility, Straight From the SBA
The SBA sets the baseline eligibility for SBA 7(a) loans, and your lender layers on its own credit standards. Here is the honest yes-and-no so we don’t waste each other’s time.
✅ You likely qualify if…
- ✔You’re an operating, for-profit business located in the U.S.
- ✔You’re small under SBA size standards for your industry.
- ✔You’re creditworthy with a reasonable ability to repay.
- ✔You have roughly a 650+ FICO (a typical lender floor).
- ✔Owners of 20% or more can sign a personal guarantee.
🚫 The SBA won’t fund…
- ✕Nonprofits … 7(a) is for-profit only.
- ✕Passive rental real estate, investing or speculation.
- ✕Lending businesses or pyramid-style operations.
- ✕Borrowers who can already get reasonable credit elsewhere.
- ✕Other federally defined ineligible business types.
Buying investment property instead of an owner-occupied business? That is not a 7(a) … see my investment property loans, DSCR loans or multi-family apartment loans instead. Buying the building your business will occupy? An SBA 504 loan may fit better. Need the building fast before SBA funding lands? An owner-occupied bridge loan can close first and take out into SBA later.
The SBA Doesn’t Lend Directly. I Find Your Lender.
The SBA guarantees the loan, but you borrow from an approved lender, not the government. The hard part is finding the right one. That is my job.
Quick Pre-Qual
A simple review of your business, revenue, credit and what you’re funding. No 200-page package to start.
I Match Your Lender
I send your deal to the SBA partner lender built for your exact 7(a) use and most likely to approve it.
You Apply Through the Lender
You work directly with that lender, who underwrites and processes the SBA-guaranteed loan.
Close and Grow
You close on long-term, capped-rate capital and put it to work building the business.
Who SBA 7(a) Loans Are, and Are NOT, For
An SBA 7(a) loan is smart money, not fast money. I qualify deals honestly so neither of us wastes time. If you’re on the left, call me today.
✅ This IS for you if…
- ✔You’re buying a business, equipment or owner-occupied property.
- ✔You want long terms and a lower, SBA-capped rate.
- ✔You want one flexible loan for mixed purposes.
- ✔You want to refinance expensive short-term debt.
- ✔You can wait for real underwriting in exchange for better terms.
🚫 This is NOT for you if…
- ✕You need emergency cash this week … SBA takes real underwriting.
- ✕You’re funding passive rental property or speculation.
- ✕You can’t document revenue or repayment ability.
- ✕You won’t sign a personal guarantee.
- ✕You only need real estate … an SBA 504 may price better.
Pre-Qualify for an SBA 7(a) Loan
Sixty-second SBA 7(a) loans pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your SBA 7(a) loans pre-qualification landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent SBA 7(a) Loans From My Desk
A snapshot of the SBA 7(a) loans I match to lenders. Every deal is different, yours starts with a conversation.
$2M · Business Acquisition
Change of ownership at roughly 90% financing, about 10% down, amortized over 10 years.
$850K · Equipment and Working Capital
A multiple-purpose 7(a) covering new machinery and operating capital in one loan.
$1.3M · Debt Refinance
Rolled high-rate short-term debt into a long SBA 7(a) structure and freed up monthly cash flow.
How I Match SBA 7(a) Loans to the Lenders That Actually Close Them
Most owners take their SBA 7(a) loans request to one bank, wait weeks, get a no, and give up. The SBA doesn’t lend directly, and not every lender is right for every deal. I match you to the SBA partner lender built for your exact use of funds, the one most likely to approve and close your SBA 7(a) loans file, and stay on it with you through funding.
Here is what most people misunderstand about SBA 7(a) loans. The SBA does not hand you the money … it guarantees a portion of a loan made by an approved lender, which lowers that lender’s risk. You always work directly with the lender, not the government. That guarantee is the whole reason 7(a) loans carry capped rates, long terms and flexible uses. My role is to know which lender in my network wants your kind of deal, because a 7(a) for a business acquisition goes to a very different lender than a 7(a) for working capital or an owner-occupied building.
The flexibility is the magic. Per the SBA, one of these SBA 7(a) loans can cover a business purchase, the real estate it sits in, the equipment inside it, the working capital to run it, and even refinance the old debt, all in a single multiple-purpose loan up to $5 million. Rates are capped by the SBA, so you are protected from runaway pricing, and a strong borrower lands well below the ceiling. A 650 FICO is a typical lender floor, and the down payment is a lender-set equity injection often around 10%.
And there is more room than ever. Starting July 4, 2026, a qualified borrower who secures a 7(a) loan can also pair it with an SBA 504 loan for up to $10 million in combined SBA-backed financing. So tell me what you’re funding. Buying a building specifically? Compare an SBA 504 loan. Want the full menu? See all my SBA loans, compare a commercial term loan, finance the building with commercial real estate loans, finance the building itself with commercial real estate loans, or browse every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Straight Answers Before You Apply
What are SBA 7(a) loans?
What can I use an SBA 7(a) loan for?
What are SBA 7(a) loan rates?
Am I eligible for an SBA 7(a) loan?
How much can I borrow, and what about the $10 million rule?
What does it cost to work with you?
SBA 7(a) by Industry
I match manufacturers to SBA 7(a) financing for equipment, expansion and the Made in America program. Find your industry below.
An SBA 7(a) Advisor Who Knows Which Lender Says Yes
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a banker. The SBA doesn’t lend directly, so the whole game is finding the right approved lender for your deal. I match your 7(a) to the partner lender built for your exact use of funds and stay with you through closing. For the official program details, see the SBA 7(a) loan program page and the SBA’s Lender Match overview.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm. I match you to the right lender for SBA 7(a) loans so you don’t fight one bank alone … up to $5 million, terms to 25 years, SBA-capped rates, almost any business purpose, and a same-day callback from a broker who knows which lender says yes.
Loan amounts, rates, terms and down payments shown reflect SBA program parameters and typical lender practice, not guarantees. The maximum SBA 7(a) loan amount is $5 million. SBA 7(a) interest rates are capped by the SBA at a base rate plus a maximum spread that varies by loan size (base + 6.5% on $50,000 or less, down to base + 3.0% above $350,000); the lender sets the actual rate within that cap and rates may be fixed or variable. A 650 FICO is a typical lender floor, not an SBA requirement, and the down payment is a lender-determined equity injection often around 10%. The combined $10 million figure reflects an SBA rule effective July 4, 2026 allowing a qualified borrower to pair a 7(a) loan with a 504 loan; availability depends on SBA eligibility and lender underwriting. SBA 7(a) loans require a personal guarantee from owners of 20% or more and are for eligible for-profit U.S. businesses; nonprofits, passive rental real estate and speculation are not eligible. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the SBA and the lender. This is not a commitment to lend.