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SBA 7(a) Loan Program

The 7(a) Loan Program is the most common of all SBA loans. You can use this loan to start, expand, or even purchase a business; provide needed working capital; purchase equipment; buy inventory; restructure debt; and take care of other expenses.

SBA 7(a) Loan Program
Loan Amount

Up to $5 million


Up to 25 years


Variable rate options


SBA guarantees up to 85% for loans of $150,000 or less;
75% guaranty for loans greater than $150,000 (up to
$3.75 million maximum guaranty)

Additional Info

Fully amortized loans with no balloon payments
No prepayment penalty