7(a) loans | U.S. Small Business Administration

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type="search" name="query" /> <button class="usa-button" type="submit"> <img src="/themes/custom/sba/dist/uswds/img/usa-icons-bg/search--white.svg" class="usa-search__submit-icon" alt="Search" /> </button> </form> </section> </div> </div> </nav> </header> <main class="main-content usa-layout-docs usa-section padding-top-0 main-content--sidebar" data-test="mainContent"> <a id="main-content" tabindex="-1"></a> <div class="grid-container"> <div class="grid-row"> <div id="block-sba-breadcrumbs" class="block block-system block-system-breadcrumb-block"> <nav class="usa-breadcrumb" aria-labelledby="system-breadcrumb"> <h2 id="system-breadcrumb" class="usa-sr-only">Breadcrumb</h2> <ol class="usa-breadcrumb__list"> <li class="usa-breadcrumb__list-item " > <a href="/" class="usa-breadcrumb__link"> <span>Home</span> </a> </li> <li class="usa-breadcrumb__list-item " > <a href="/funding-programs" class="usa-breadcrumb__link"> <span>Funding Programs</span> </a> </li> <li class="usa-breadcrumb__list-item " > <a href="/funding-programs/loans" class="usa-breadcrumb__link"> <span>Loans</span> </a> </li> <li class="usa-breadcrumb__list-item usa-current" aria-current="page"> <span>7(a) loans</span> </li> </ol> </nav> </div> </div> <div class=""> <div data-drupal-messages-fallback class="hidden"></div> </div> <div class="grid-row "> </div> <div class="sba-layout-docs sba-layout-docs--sidebar"> <div class="layout-sidebar-first"> <nav aria-labelledby="sidebar-menu-navigation"> <h2 class="visually-hidden" id="sidebar-menu-navigation">Section navigation</h2> <ul class="usa-sidenav"> <li class="usa-sidenav__item expanded dropdown active active-trail first"> <a class="usa-current" href="/funding-programs/loans"> <span>Loans</span> </a> <ul class="usa-sidenav__sublist"> <li class="usa-sidenav__item first"> <a href="/funding-programs/loans/make-payment-sba"> <span>Make a payment to SBA</span> </a> </li> <li class="usa-sidenav__item active active-trail"> <a class="usa-current" href="/funding-programs/loans/7a-loans"> <span>7(a) loans</span> </a> </li> <li class="usa-sidenav__item"> <a href="/funding-programs/loans/504-loans"> <span>504 loans</span> </a> </li> <li class="usa-sidenav__item"> <a href="/funding-programs/loans/microloans"> <span>Microloans</span> </a> </li> <li class="usa-sidenav__item"> <a href="/funding-programs/loans/lender-match-connects-you-lenders"> <span>Lender Match</span> </a> </li> <li class="usa-sidenav__item last"> <a href="/funding-programs/loans/covid-19-relief-options"> <span>COVID-19 relief options</span> </a> </li> </ul> </li> <li class="usa-sidenav__item"> <a href="/funding-programs/investment-capital"> <span>Investment capital</span> </a> </li> <li class="usa-sidenav__item"> <a href="/funding-programs/disaster-assistance"> <span>Disaster assistance</span> </a> </li> <li class="usa-sidenav__item"> <a href="/funding-programs/surety-bonds"> <span>Surety bonds</span> </a> </li> <li class="usa-sidenav__item last"> <a href="/funding-programs/grants"> <span>Grants</span> </a> </li> </ul> </nav> </div> <div class="usa-layout-docs__main"> <h1 data-test="title" > <span>7(a) loans</span> </h1> <div id="block-sba-content" class="block block-system block-system-main-block"> <article class="basic-page"> <div> <div class="basic-page__summary" data-test="pageSummary"> The 7(a) loan program is SBA's primary business loan program for providing financial assistance to small businesses. </div> <div class="sba-toc sba-standard-margin-spacing"> <hr class="sba-toc__divider-first sba-standard-margin-spacing" role="presentation"> <h2 id="sba-toc-heading" class="sba-toc__heading js-toc-ignore">Content</h2> <nav id="sba-toc__nav" aria-labelledby="sba-toc-heading" class="sba_toc__nav sba-standard-margin-spacing"></nav> <hr role="presentation"> </div> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="what-is-a7a-loan"> What is a聽7(a) loan?聽</h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>The 7(a) Loan Program, SBA鈥檚 primary business loan program, provides loan guaranties to lenders that allow them to provide financial help for small businesses with special requirements. 7(a) loans can be used for: </p> <ul> <li>Acquiring, refinancing, or improving real estate and buildings</li> <li>Short- and long-term working capital </li> <li>Refinancing current business debt </li> <li>Purchasing and installation of machinery and equipment, <span>including AI-related expenses</span></li> <li>Purchasing furniture, fixtures, and supplies </li> <li>Changes of ownership (complete or partial)</li> <li>Multiple purpose loans, including any of the above</li> </ul> <p>The maximum loan amount for a 7(a) loan is $5 million. Key eligibility factors are based on what the business does to receive its income, its credit history, and where the business operates. Your lender will help you figure out which type of loan is best suited for your needs. This also includes recommending you for an SBA <a href="/funding-programs/loans/7a-loans#sba-card-collection--heading-589">7(a) Working Capital Pilot (WCP) loan</a>, if your business qualifies.</p> </div> </div> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="am-i-eligible-"> Am I eligible? </h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>To be eligible for 7(a) loan assistance, businesses must:</p> <ul type="disc"> <li><span>Be an operating business</span></li> <li><span>Operate for profit</span></li> <li><span>Be located in the U.S.</span></li> <li><span>Be small under SBA </span><a href="https://www.ecfr.gov/cgi-bin/text-idx?SID=d57076137bedbb82c43cc47e478d10f9&mc=true&node=pt13.1.121&rgn=div5"><span>Size Requirements</span></a></li> <li><span>Not be a </span><a href="https://www.ecfr.gov/current/title-13/section-120.110"><span>type of ineligible business</span></a></li> <li><span>Not be able to obtain the desired credit on reasonable terms from non-Federal, non-State, and non-local government sources</span></li> <li><span>Be creditworthy and demonstrate a reasonable ability to repay the loan</span></li> </ul> <p>Read more about <a href="/partners/lenders/7a-loan-program/terms-conditions-eligibility" data-entity-type="node" data-entity-uuid="aa792456-589a-461f-9953-ffc43c2c54c5" data-entity-substitution="canonical" title="Terms, conditions, and eligibility">Terms, conditions, and eligibility</a>.</p> </div> </div> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="how-do-i-apply"> How do I apply?</h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p><span>You can use SBA鈥檚 </span><a href="https://www.sba.gov/funding-programs/loans/lender-match-connects-you-lenders"><span>Lender Match</span></a><span> tool to connect with a participating SBA lender.  You will apply for your loan directly through your lender. </span></p> <p>The contents of the loan application vary depending on the size of the loan and the lender's processing method. Your lender will help you determine which documents you'll need <span dir="ltr">based on your individual circumstances</span>. <br><br>You will always work directly with your lender and not with SBA.</p> </div> </div> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="how-do-i-pay-back-my-7a-loan"> How do I pay back my 7(a) loan?</h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>Loan repayment terms vary according to several factors.</p> <ul> <li>Most 7(a) term loans are repaid with monthly payments of principal and interest from the cash flow of the business</li> <li>Payments stay the same for fixed-rate loans because the interest rate is constant </li> <li>For variable rate loans, the lender may require a different payment amount when the interest rate changes </li> </ul> </div> </div> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="existing-borrowers"> Existing borrowers</h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>Existing borrowers can create an account in the <a href="https://lending.sba.gov/">MySBA Loan Portal</a> (lending.sba.gov) to monitor their loan status, view statements, payment history and more. </p> <p>Payments can only be made using the MySBA Loan Portal for SBA-purchased 7(a) loans.  All others can continue to set up and manage online payments at Pay.gov. </p> </div> </div> <section class="sba-accordion paragraph paragraph--type--accordion-content paragraph--view-mode--default sba-standard-margin-spacing padding-y-0" aria-labelledby="7a-working-capital-pilot-wcp-program" style="--background-color: #ffffff"> <h2 id="7a-working-capital-pilot-wcp-program" class="sba-accordion__heading ">7(a) Working Capital Pilot (WCP) program</h2> <div class="usa-accordion usa-accordion--bordered" data-allow-multiple> <h3 id="what-is-7a-wcp" class="usa-accordion__heading"> <button class="usa-accordion__button" aria-expanded="false" aria-controls="sba-accordion-item" > What is 7(a) WCP? </button> </h3> <div id="sba-accordion-item" class="usa-accordion__content"> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>Beginning August 1, SBA's 7(a) WCP is a pilot loan program that offers monitored lines of credit within the 7(a) loan program. <br>7(a) WCP has been engineered to:</p> <ul> <li>Support a range of financing needs for growing small businesses</li> <li>Bring together the best features of the existing permanent 7(a) line of credit delivery methods</li> <li>Provide financing for domestic and/or export purposes</li> <li>Offer one-on-one counseling with SBA's subject-matter experts to both small businesses and lenders </li> </ul> </div> </div> </div> <h3 id="who-can-benefit" class="usa-accordion__heading"> <button class="usa-accordion__button" aria-expanded="false" aria-controls="sba-accordion-item--2" > Who can benefit? </button> </h3> <div id="sba-accordion-item--2" class="usa-accordion__content"> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>Consider a 7(a) WCP loan if your small business:</p> <ul type="disc"> <li>Can benefit from a line of credit up to $5 million</li> <li>Operates in industries like manufacturing, wholesale, or professional services</li> <li>Has at least one-year of operating history</li> <li>Can produce timely and accurate financial statements, accounts receivable and accounts payable agings, and inventory reports</li> <li>Wishes to fulfill large contracts or projects and/or borrow against accounts receivable or inventory</li> </ul> </div> </div> </div> <h3 id="what-are-the-terms" class="usa-accordion__heading"> <button class="usa-accordion__button" aria-expanded="false" aria-controls="sba-accordion-item--3" > What are the terms? </button> </h3> <div id="sba-accordion-item--3" class="usa-accordion__content"> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><table> <tbody> <tr> <th><strong>Maximum loan amount</strong></th> <td> <ul> <li>$5,000,000</li> </ul> </td> </tr> <tr> <th><strong>Loan guarantee</strong></th> <td> <ul> <li>85% $150,000 or less</li> <li>75% if greater than $150,000</li> </ul> </td> </tr> <tr> <th><strong>Maximum loan maturity</strong></th> <td> <ul> <li>60 months</li> </ul> </td> </tr> <tr> <th><strong>Interest rates</strong></th> <td> <ul> <li>$50,000 or less: Cannot exceed base rate +6.5%</li> <li>$50,001 - $250,000: Cannot exceed base rate +6.0%</li> <li>$250,001 - $350,000: Cannot exceed base rate +4.5%</li> <li>$350,001 and greater: Cannot exceed base rate +3.0%</li> </ul> </td> </tr> </tbody> </table> </div> </div> </div> <h3 id="how-can-i-apply" class="usa-accordion__heading"> <button class="usa-accordion__button" aria-expanded="false" aria-controls="sba-accordion-item--4" > How can I apply? </button> </h3> <div id="sba-accordion-item--4" class="usa-accordion__content"> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>Use SBA鈥檚 <a href="https://www.sba.gov/funding-programs/loans/lender-match-connects-you-lenders">Lender Match</a> tool to be matched with a participating SBA lender that can provide you with funding at competitive rates and fees.</p> </div> </div> </div> </div> </section> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="get-help"> Get help</h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p><span>Although SBA does not provide 7(a) loans directly to borrowers, we can help with the process.</span></p> <p><a href="/about-sba/sba-locations/sba-district-offices" data-entity-type="node" data-entity-uuid="8cd61b54-3ec5-4671-a5df-192e44e1f1c7" data-entity-substitution="canonical" title="SBA District Offices"><span>SBA District Offices</span></a><span> can provide you with in-person, online, or telephone assistance.</span></p> <p><span>SBA's network of </span><a href="/local-assistance/resource-partners" data-entity-type="node" data-entity-uuid="36f33b8b-1a8f-4c59-b2f0-140a97c24dd0" data-entity-substitution="canonical" title="Resource Partners"><span>Resource Partners</span></a><span> throughout the country is also available to help small businesses.</span></p> </div> </div> <section id="block-lendermatchctanoimage" class="sba-call-to-action 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7(a) loans | U.S. Small Business Administration