SBA Loans

SBA 7(a) Loans

Versatile Financing for Operational and Growth Needs

SBA 7(a) loans are the cornerstone of SBA lending, designed to provide businesses with flexible funding for a range of purposes. These loans are ideal for:



• Working Capital: Bridge cash flow gaps, manage day-to-day expenses, or invest in short-term opportunities.
• Business Acquisitions: Secure funding to purchase an existing business or expand your operations.
• Debt Refinancing: Restructure high-interest loans or consolidate debt to improve financial health.
• Equipment Purchases: Invest in essential tools, machinery, or vehicles to enhance productivity.

Loan amounts go up to $5 million, with repayment terms extending to 10 years for general uses and 25 years for real estate acquisitions. The SBA guarantee allows lenders to offer favorable terms, even to businesses with less-than-perfect credit histories.

Financely’s advisors manage the entire process, from preparing your application to negotiating with SBA-approved lenders, ensuring that you secure the capital you need efficiently.

SBA 504 Loans

Long-Term Financing for Fixed Asset Investments

SBA 504 loans are designed to fund large-scale, fixed asset purchases that drive business growth. These loans are particularly suited for:



• Commercial Real Estate: Acquire, build, or renovate owner-occupied properties to meet your business’s needs.
• Capital Equipment: Purchase high-value machinery or specialized equipment for manufacturing, construction, or operations.
• Facility Expansion: Finance projects that increase capacity, such as new warehouses, plants, or offices.

Unlike 7(a) loans, the 504 program involves two lenders: a Certified Development Company (CDC) and a private lender. The CDC typically provides up to $5.5 million, with the private lender funding 50% or more of the project cost. The borrower contributes only 10%, significantly reducing upfront capital requirements.

These loans feature fixed interest rates and repayment terms of up to 25 years, making them ideal for businesses focused on long-term investments. Our advisors handle everything, from structuring your financing to coordinating with lenders, so you can focus on executing your projects.