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SBA Loans for Small Businesses

SBA loans can provide long-term financing with competitive rates for qualified businesses. Whether you're acquiring a business, purchasing commercial real estate, buying equipment, expanding operations, or refinancing eligible debt, CPS Business Capital can help you explore SBA financing options that fit your goals.

Why Choose an SBA Loan?

SBA loans are designed to give qualified small businesses access to longer repayment terms and competitive financing for major business needs. Depending on the loan program and use of funds, SBA financing may offer lower down payments and longer terms than many conventional business loans.

Common Uses for SBA Financing

  • Business Acquisitions

  • Commercial Real Estate

  • Equipment Purchases

  • Business Expansion

  • Working Capital

  • Eligible Debt Refinancing

SBA Loan Highlights

  • Longer repayment terms

  • Competitive rates for qualified borrowers

  • Financing for a wide range of business needs

  • Potentially lower down payments than some conventional options

  • Available for business acquisitions and owner-occupied real estate

  • Backed by the U.S. Small Business Administration

SBA 7(a) Loans

The SBA 7(a) loan program is the SBA’s primary business loan program and can be used for a variety of purposes, including acquiring a business, purchasing equipment, obtaining working capital, refinancing eligible business debt, and purchasing or improving commercial real estate.

SBA 504 Loans

SBA 504 loans provide long-term financing for major fixed assets such as owner-occupied commercial real estate, buildings, and equipment. They are generally designed for businesses making substantial investments in property or other long-term assets rather than for working capital.

What Does It Take to Qualify?

SBA loan requirements vary by lender and loan program. Lenders typically evaluate the business’s cash flow, credit history, time in business, available collateral, management experience, and the purpose of the loan. For business acquisitions, lenders will also evaluate the financial performance of the business being purchased.

Ready to Explore Your SBA Loan Options?

Tell us about your business and financing needs. We’ll help you determine which SBA financing options may be worth exploring.

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