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Government-Backed, Business-Ready
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SBA loans are business loans partially guaranteed by the U.S. Small Business Administration and issued through approved lenders. Because the government backs a portion of the loan, lenders can offer lower rates, longer terms, and more accessible approval than most conventional financing, making them among the most affordable ways for an established business to fund major growth.
There are two flagship programs, and they serve different needs. The SBA 7(a) loan is the most versatile, usable for working capital, refinancing, acquisition, equipment, or a mix of needs, with individual loans up to $5 million. The SBA 504 loan is built for major fixed assets like owner-occupied commercial real estate and long-term equipment, offering fixed-rate financing with the SBA-backed portion up to $5.5 million.
As of July 4, 2026, eligible borrowers can combine both programs for up to $10 million in total SBA-backed financing. An SBA loan lets you:
Because these loans are government-backed, they reward preparation. The application is more involved than other financing, which is exactly where working with an experienced guide like Committed to Capital makes the difference.
An SBA loan follows a more structured path than most business financing, because the government guarantee involves specific eligibility and documentation. The upside of that extra step is access to rates and terms conventional financing rarely matches.
The process starts when you submit an SBA-ready application with your business and financial details. An approved lender (or, for a 504, a lender working alongside a Certified Development Company) reviews your revenue, time in business, credit profile, cash flow, and the purpose of the funds. Because the SBA guarantees a large portion of the loan, lenders can approve financing they might otherwise decline, and extend repayment over much longer terms.
Once approved, funds are disbursed according to the program. For a 7(a), you receive capital to use for your stated purpose. For a 504, financing is structured across the bank portion, the CDC portion, and your contribution, then applied to the real estate or equipment purchase. You then repay on a fixed schedule over a term matched to your loan type.
For example, a business buying a $1.5 million owner-occupied building might use a 504 loan to lock in a low fixed rate over 25 years, while a business making a $750,000 acquisition with mixed needs might choose a 7(a) for its flexibility and faster close. The SBA process rewards a complete, well-prepared package, and that’s the single biggest factor in how quickly you close.
SBA loans offer outstanding terms, but the application is famously paperwork-heavy and slow when handled alone. The difference between a smooth close and a stalled one comes down to preparation and lender fit. Here’s how we compare:
Clients Satisfaction
Financing available for up to 25 years, keeping payments low and manageable on major investments.
Government backing helps keep borrowing costs down compared to most conventional business loans.
Added security through Small Business Administration support means better terms and easier approval.
The 7(a) is the flexible, all-purpose option. Choose it when your use of funds is varied or doesn’t center on a single fixed asset.
Key Features
The 504 is the specialized, fixed-rate option for long-lived assets. Choose it when the centerpiece of your plan is real estate or major equipment you’ll keep for years.
Key Features
SBA loans fund some of the most significant moves a business will ever make. Here are the most popular ways owners put them to work:
Own your building instead of renting. A 504 is often ideal, with a low fixed rate and long term.
Fund an acquisition or partner buyout, a classic 7(a) use with flexible, longer terms.
Consolidate expensive debt into a single SBA-backed loan to lower payments and free up cash.
A 504 suits long-lived machinery; a 7(a) works when equipment is part of a broader need.
Open a location or build a facility on terms and limits conventional loans rarely match.
A 7(a) provides operating capital on terms far longer than most conventional loans.
With the 2026 rule, pair a 504 for property with a 7(a) for working capital, up to $10M combined.
Finance new construction or major improvements to owner-occupied commercial property.
We help you assemble a complete package so your application moves through underwriting without avoidable delays.
We match you with the right SBA-approved lender and guide you through documentation and program choice.
Once approved, your financing is structured for the low rates and long terms the SBA is known for.
Committed to Capital provides SBA 7(a) and 504 loan guidance to a wide range of industries across the United States, including:
If your industry isn’t listed, contact us we work with virtually every legitimate small business sector.
Not every applicant fits every program, but with our network of SBA-approved lending partners, Committed to Capital can often match you to the right SBA loan even if you’ve been turned away elsewhere.
An SBA 7(a) loan is flexible and can be used for working capital, acquisition, refinancing, equipment, or a mix. An SBA 504 loan is purpose-built for major fixed assets like owner-occupied commercial real estate and long-term equipment, with a fixed rate on the CDC portion. Committed to Capital helps you choose the right program for your goals.
Individual 7(a) loans go up to $5 million, and the SBA-backed portion of a 504 loan goes up to $5.5 million. As of July 4, 2026, eligible borrowers can combine both programs for up to $10 million in total SBA-backed financing. Committed to Capital can help you structure the right combination.
Most SBA 7(a) and 504 lenders look for a FICO score around 680 or higher, along with positive cash flow and at least two years in business. Some SBA programs are more flexible, and Committed to Capital will help you find the right fit for your profile.
It varies by program and how complete your application is. A 7(a) often closes faster than a 504, which involves a CDC and a partner lender. A well-prepared package is the biggest factor in a fast close, which is exactly what Committed to Capital’s guidance is built around.
Yes. An SBA 504 loan is often the best fit for owner-occupied commercial property because of its low fixed rate and long term, while a 7(a) can also finance real estate as part of a broader funding need. Committed to Capital helps you compare both.
SBA terms come from the SBA, but your speed and outcome depend on how well the application is prepared and how well the lender fits your profile. Committed to Capital guides you through the full process, matches you with the right SBA-approved lender, and helps assemble a complete, close-ready package so you avoid the delays that stall solo applicants.
