SBA Loans
Government-backed capital at favorable rates for major investments
SBA 7(a), 504, and Express loans with long terms and favorable rates for real estate, equipment, acquisitions, and working capital.
Overview
SBA loans are backed by the Small Business Administration, offering long-term capital at favorable rates (typically 6–8%) for major investments — real estate, equipment, business acquisitions, and working capital. The SBA 7(a) program is the most common, offering up to $5M for a wide range of uses. The SBA 504 program finances owner-occupied real estate and equipment at below-market fixed rates. SBA Express offers faster approval on smaller amounts. Because SBA loans are government-guaranteed, lenders can offer longer terms (up to 25 years for real estate) and lower down payments than conventional loans.
Key Benefits
Long terms — up to 25 years on real estate
Low rates — typically Prime + a small margin
Low down payments — often 10% on real estate
Wide range of permitted uses
Ideal For
Business acquisitions
Owner-occupied real estate purchases
Major equipment investments
Long-term working capital at low rates
How It Works
A clear, structured process from first call to funded.
Eligibility & Use of Funds
We confirm SBA eligibility and structure the loan around your use of funds and timeline.
Lender Selection
We match you with SBA Preferred Lenders who close faster and know the program.
Package Preparation
We prepare a lender-ready package: business plan, financials, projections, and SBA forms.
Underwriting & Close
We manage the SBA underwriting process through approval, closing, and funding.
Articles & Insights
Deep dives from our capital advisory team to help you make informed financing decisions.
SBA 7(a) vs. 504 vs. Express: Choosing the Right Program
Each SBA program serves a different need. 7(a) is the versatile workhorse; 504 is built for owner-occupied real estate; Express is for speed. Here is how to choose.
How to Get SBA-Approved: What Lenders Actually Evaluate
SBA lenders weigh credit, collateral, cash flow, character, and use of funds. We explain what each means and how to strengthen your application.
SBA Loans for Business Acquisitions: A Buyer Guide
SBA 7(a) acquisition financing can fund up to 90% of a business purchase under the right conditions. Here is how searchers and independent sponsors structure a fundable deal.
SBA Loans Case Studies
Real engagements, real outcomes. See how we have structured sba loans for clients like you.
Manufacturer Secures $500K SBA 7(a) for Facility Purchase
Light Manufacturing Firm
The Challenge
A growing manufacturer wanted to purchase its own facility to stop paying rent, but lacked the 25%+ down payment conventional lenders required.
The Teal Bay Solution
Teal Bay structured an SBA 7(a) loan requiring only 10% down, with a 25-year term that kept payments comparable to the previous rent.
The Outcome
Client purchased a $550K facility with $55K down, built equity instead of paying rent, and freed up cash flow for equipment investment.
Frequently Asked Questions
Straight answers to the questions we hear most.
With an SBA Preferred Lender, typical timelines are 30–60 days from application to funding. Non-preferred lenders can take 60–90+ days. We match you with preferred lenders to keep timelines tight.