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The Ultimate Guide to SBA Loans
The Ultimate Guide to SBA Loans gives you everything you need to know in one place — loan types, qualifications, rates, timelines, and expert tips to help you navigate the process with confidence. Whether you’re exploring SBA 504 or 7a this guide is built to help small business borrowers make informed decisions.
FLAGSHIP SBA LOAN PROGRAMS
504 Loans
| Loan Size | up to $12.5 million (or more in some cases) |
| Loan Term | Up to 25 years in most cases. |
| Interest Rates | 6-8% blended. See current rates and structure for how SBA 504 blended rate is determined. |
| Loan Uses | Real Estate, Equipment, FF&E and other improvements |
| Credit Requirement | Not set but most lenders are looking for 670 or above |
| Down Payment | 10% for most projects. Find our more about down payment requirements for SBA 504 |
| Timing | 30-60 days after loan package received. |
SBA 7(a) Loans
| Loan Size | Cap at $5million |
| Loan Term | 5-25 years depending on collateral |
| Interest Rates | 7.5-10% Variable Rate. Usually priced at a spread above WSJ Prime. |
| Loan Uses | General Purpose, working capital, biz acquisition, Equipment or Real Estate |
| Credit Requirement | Not set but most lenders are looking for 670 or above |
| Down Payment | 10% for most projects. Find our more about down payment requirements for SBA 504 |
| Timing | 30-60 days after loan package received. |
SBA 504 Guides
SBA Loan Requirements
This guide walks borrowers through the requirements and eligibility criteria for SBA 504 loan.
How to Apply
If you are ready to get started on an SBA loan this guide will walk you through the steps to apply and timelines from start to finish.
How SBA Loans Work
In this guide, we break down exactly how SBA 504 loans work and what makes them different from other SBA loan programs.
SBA 504 Refinance
This guide helps borrowers navigate the SBA 504 Loan Refinance program including expansion and “cash-out” refinance.
SBA 504 Construction
SBA 504 construction loans allow small business to build, improve or expand commercial real estate assets.
SBA 504 vs 7a
In this guide we compare the SBA’s two major loan programs. Find out which one fits your situation best.
How Much Will Your SBA Loan Really Cost? Find Out Instantly!
SBA Articles & News
SBA 504 Loan Industry Report: 2025
SBA 504 loan approvals in Fiscal Year 2025 Example of Building Wealth through SBA 504 Linda has been operating a daycare center in Georgia for the past ten years. She currently leases the building from her landlord, but the landlord has recently offered her the...
SBA 504 Loan Industry Report: 2025
SBA 504 loan approvals in Fiscal Year 2025 Example of Building Wealth through SBA 504 Linda has been operating a daycare center in Georgia for the past ten years. She currently leases the building from her landlord, but the landlord has recently offered her the...
Building Wealth through Commercial Real Estate
According to the National Council of Real Estate Investment Fiduciaries (NCREIF) Property Index, commercial real estate has delivered annualized returns of around 9% over the past 30 years. If you are a small business owner and you lease the space where your company...
SBA Loan Prepayment Penalty
A prepayment penalty on a loan is a fee charged by a lender if a borrower pays off all or part of the loan earlier than scheduled. Both SBA 504 & 7a loans may entail prepayment penalties. SBA 504 Loan Prepayment Penalty SBA 504 Loan Structure Recap An SBA 504...
SBA 504 Loan Industry Report: 2025
SBA 504 loan approvals in Fiscal Year 2025 Example of Building Wealth through SBA 504 Linda has been operating a daycare center in Georgia for the past ten years. She currently leases the building from her landlord, but the landlord has recently offered her the...
Building Wealth through Commercial Real Estate
According to the National Council of Real Estate Investment Fiduciaries (NCREIF) Property Index, commercial real estate has delivered annualized returns of around 9% over the past 30 years. If you are a small business owner and you lease the space where your company...
SBA Loan Prepayment Penalty
A prepayment penalty on a loan is a fee charged by a lender if a borrower pays off all or part of the loan earlier than scheduled. Both SBA 504 & 7a loans may entail prepayment penalties. SBA 504 Loan Prepayment Penalty SBA 504 Loan Structure Recap An SBA 504...
Benefits of SBA 504 for Small Businesses
Low down payments
SBA 504 loans can finance up to 90% of your total project cost while most conventional commercial real estate loans require 20-30% down.
Low Long Term Fixed Rates
Long-term (up to 25 years), below-market, fixed interest rates can help your business save on expenses.
Long amortization for better cashflow
Loan amortizations up to 25 years can reduce monthly payments and help your business preserve cash flow.
Capital to grow small business
SBA 504 loans provide business owners access capital at attractive terms when most traditional lenders would not be interested.
Are you ready to finance commercial real estate for your small business?
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