Business FundingOfficial source

SBA 7(a) Loan Program

Up to $5,000,000SBA program maximum

The SBA's primary program for providing financial assistance to small businesses through participating lenders — working capital, equipment, refinancing and real estate.

Who it's for

Established small businesses that need working capital, equipment, or to buy or refinance owner-occupied real estate.

General eligibility

  • Operate for profit in the U.S.
  • Meet SBA size standards for your industry
  • Demonstrate a sound business purpose and ability to repay
  • Owners have invested their own time or money in the business

What you'll typically need

  • Business and personal tax returns (typically 2–3 years)
  • Business financial statements and a use-of-funds summary
  • Acceptable personal and business credit
  • Personal guarantee from owners of 20%+

Program information summarized from the agency's public materials. Not an offer of credit, a guarantee of eligibility, or an endorsement by the agency. Requirements change over time — always confirm current details with the agency or a licensed professional.