Acquire capital, buy out partners, or purchase commercial property. SBA 7(a) and International Trade Loans (ITL) from $150k to $5M, with terms up to 25 years.
My Commercial Funding brokers Preferred SBA 7(a) and International Trade Loans (ITL) from $150,000 up to $5,000,000 with repayment terms of 10 to 25 years and interest rates starting at Prime + 2.0%. The program requires a minimum credit score of 680, at least 2 years in business, and positive historical cash flow coverage. Approvals are expedited through Preferred Lender Status.
Extremely competitive bank-rate pricing starting at Prime + 2%, backed by SBA government guarantees.
Keep monthly debt service low. Get up to 10-year terms for working capital and up to 25 years for real estate.
Underwritten primarily on business earnings and historical cash flow rather than rigid collateral formulas.
Our partner marketplace utilizes Preferred Lenders (PLP status) to bypass direct SBA bottlenecks and expedite your loan approval.
An SBA 7(a) loan is a bank loan partly guaranteed by the U.S. Small Business Administration. Through our lending marketplace, SBA 7(a) loans run from $150,000 to $5 million with 10- to 25-year terms and rates starting at Prime + 2%, for working capital, equipment, acquisitions, partner buyouts and real estate.
The maximum SBA 7(a) loan is $5,000,000. Through our marketplace, 7(a) and International Trade Loans start at $150,000, with real estate loans amortized over up to 25 years and most other uses over up to 10 years.
Our SBA 7(a) program requires a minimum personal credit score of 680, at least two years in business, positive historical cash flow that covers the new payment, and no open federal tax liens or delinquencies.
SBA 7(a) loans can fund working capital, equipment, inventory, buying a business or buying out a partner, refinancing existing business debt, and buying or improving owner-occupied commercial real estate. That flexibility is the main difference from an SBA 504 loan, which is limited to fixed assets.
SBA 7(a) loans take longer than private financing, typically several weeks from application to funding. Preferred (PLP) lenders approve loans in-house instead of waiting on SBA review, which shortens the timeline. If you need capital sooner, a merchant cash advance can fund in 24 to 48 hours.
It depends on the use. SBA 504 is usually better for buying or building owner-occupied property or heavy equipment, with as little as 10% down and a fixed rate on the SBA portion. SBA 7(a) is better for working capital, acquisitions and partner buyouts, which 504 loans cannot fund.
Yes, SBA rules require a personal guarantee from every owner of 20% or more. Lenders also take available business assets as collateral and may take a lien on real estate for larger loans, but an SBA loan is not declined solely because collateral is limited.