Loan Amounts:

• $350,000 to $9,000,000

(Please note: The maximum SBA 7(a) guaranty-supported loan amount is $5 million. Any loan amount above $5 million is structured through the participatingbank’s conventional financing.)

Term Lengths:

• Up to 10 years (business acquisition, working capital, equipment)

• Up to 25 years (real estate)

Interest Rates:

• Fixed & variable options. 6.75% to 9.75%

• Amortization:Fully amortizing

Down Payment:

• Typically ~10% for acquisitions

Business Acquisitions

• Up to 90% financing (≈10% down

• Can include goodwill, inventory, and working capital

• Seller financing can sometimes help satisfy equity

Franchise Purchases

• Up to 85%–90% financing, up to 100% financing for Expansions

• Strong brands (SBA-approved/franchise directory) often get higher leverage

• Startups vs. resales may impact equity requirement

Partner / Shareholder Buyouts

• Up to 90% financing

• Must show business can support new debt load

• Structure depends on ownership transition and cash flow

Owner-Occupied Commercial Real Estate

• Up to 90% financing, up to 100% financing for Expansions

• 51% owner-occupancy required (existing)

• Can combine real estate + business + working capital

Working Capital

• Up to 100% financing (no specific LTV)

• Based on cash flow and repayment ability

• Often combined with acquisition or expansion loans

Equipment Purchases

• Up to 100% financing

• Based on useful life of equipment

• Can be standalone or included in a larger loan

Debt Refinance (Case-by-Case)

• Up to 100% financing

• Must show a clear benefit (improved cash flow)

• Subject to SBA refinance rules (no “same institution” refinance, etc.)

MAXIMUM FLEXIBILITY

• Combine multiple uses (acquisition + working capital + equipment) into one loan.

LOWER EQUITY REQUIREMENTS

• Typically requires less down payment than conventional financing.

LONGER TERMS = BETTER CASH FLOW

• Lower monthly payments due to extended amortization.

IDEAL FOR ACQUISITIONS

• One of the best programs available for buying existing businesses.