How long does an SBA loan take?

SBA loans typically take 60–120 days from complete application to funding. We help you assemble a clean package up front to keep the timeline as short as possible.

SBA 7(a) or 504 — which one fits?

7(a) is the general-purpose program (working capital, equipment, acquisitions, refinance) up to $5M. 504 is specifically for owner-occupied real estate and heavy equipment, often with better long-term rates on the real estate portion.

How much down payment is required?

Typically 10% for most SBA loans, and as high as 15–20% for acquisitions or when the buyer is new to the industry. Seller notes on standby can sometimes count toward the equity injection.

Can SBA be used to buy another manufacturer?

Yes — SBA 7(a) is one of the most common ways to finance a manufacturing acquisition, often combined with a seller note. We package the transaction so the debt service coverage and use-of-proceeds narrative match what SBA underwriters expect.

Do I have to pledge my house?

SBA requires available collateral to be pledged, which can include a personal residence if there's meaningful equity. On loans where business collateral fully covers the loan, personal real estate typically is not required.

Program

SBA & Term Loans

Bigger projects. Longer terms.

Longer-term, lower-cost capital for growth, real estate, or acquisitions.

Start a Quick App Call (844) 623-1234

Best for

Established manufacturers financing acquisitions, real estate, expansion, or refinancing higher-cost debt.

How it works

1We help you pre-qualify and prepare a clean loan package.
2The package is placed with SBA-preferred or conventional lenders that fit your profile.
3Underwriting closes with a full doc set.
4Funds are disbursed per use of proceeds.

Benefits

Longer amortization (up to 10–25 years for real estate)
Competitive rates for qualified borrowers
Preserves cash for operations

SBA & Term Loans — FAQs

Related programs

Invoice Factoring

Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.

Equipment Financing

Finance new or used machinery, CNC, robotics, and production lines.

Purchase Order Financing

Get the capital to fulfill large customer orders without straining cash flow.

Asset-Based Lending (ABL)

Revolving lines secured by receivables, inventory, and equipment.

Working Capital

Short-term capital to bridge payroll, materials, and growth spikes.

SBA & Term Loans by industry

See how sba & term loans works inside a specific manufacturing niche.

SBA & Term Loans by city

View all SBA & Term Loans cities →

Local placement for sba & term loans in every US manufacturing metro we serve.

Gulf Coast

SBA & Term Loans in Houston, TX SBA & Term Loans in Mobile, AL SBA & Term Loans in Baton Rouge, LA SBA & Term Loans in Brownsville, TX SBA & Term Loans in Victoria, TX SBA & Term Loans in Monroe, LA SBA & Term Loans in Alexandria, LA SBA & Term Loans in Lake Charles, LA SBA & Term Loans in Houma, LA SBA & Term Loans in Slidell, LA

West Coast

Midwest

Great Lakes

South Central

Southeast

Upper Midwest

SBA & Term Loans in Minneapolis, MN SBA & Term Loans in Eau Claire, WI SBA & Term Loans in Wausau, WI SBA & Term Loans in La Crosse, WI SBA & Term Loans in St. Cloud, MN SBA & Term Loans in Duluth, MN SBA & Term Loans in Mankato, MN SBA & Term Loans in Winona, MN SBA & Term Loans in Moorhead, MN SBA & Term Loans in Bismarck, ND SBA & Term Loans in Grand Forks, ND SBA & Term Loans in Minot, ND

Mid-Atlantic

Southwest

Pacific Northwest

SBA & Term Loans in Seattle, WA SBA & Term Loans in Portland, OR SBA & Term Loans in Spokane, WA SBA & Term Loans in Yakima, WA SBA & Term Loans in Tri-Cities (Kennewick), WA SBA & Term Loans in Bellingham, WA SBA & Term Loans in Olympia, WA SBA & Term Loans in Wenatchee, WA SBA & Term Loans in Mount Vernon, WA SBA & Term Loans in Medford, OR SBA & Term Loans in Corvallis, OR SBA & Term Loans in Albany, OR SBA & Term Loans in Klamath Falls, OR SBA & Term Loans in Hillsboro, OR

Mountain West

Northeast

West

South

Great Plains

Mountain

SBA & Term Loans in Cheyenne, WY SBA & Term Loans in Ogden, UT SBA & Term Loans in Provo, UT SBA & Term Loans in St. George, UT SBA & Term Loans in Grand Junction, CO SBA & Term Loans in Fort Collins, CO SBA & Term Loans in Bozeman, MT SBA & Term Loans in Missoula, MT SBA & Term Loans in Idaho Falls, ID SBA & Term Loans in Pocatello, ID SBA & Term Loans in Casper, WY

Ready to keep production moving?

Start with a quick app or a phone call. We'll tell you exactly what the right program requires—at no charge.

Start the Conversation Call (844) 623-1234

Apply. Fund. Deliver. — No obligation.

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