SBA 7(a) Loans: Flexible Financing for Your Business
An SBA 7(a) loan is the most versatile financing tool for buying a business, funding an expansion, or securing working capital. As a nationwide top SBA Preferred Lender, T Bank has the expertise to simplify the process and get you funded faster.
Terms Up
to 25 Years
Up to 90% Financing
Nationwide SBA Preferred Lender
Unlock Your Growth: Common Uses for SBA 7(a) Loan
The SBA 7(a) is the most popular SBA loan program for one key reason: flexibility. It’s designed to support a wide range of business goals, giving you the capital to make your next big move.
Business Acquisitions
Use an SBA 7(a) loan to purchase an existing business. We structure the financing to be manageable long-term and preserve your future cash flow.
Partner Buyouts
Confidently finance the purchase of a partner's share of the company while keeping the transition smooth and your working capital intact.
Working Capital & Inventory
Cover day-to-day operating expenses, payroll, marketing, or inventory purchases so your business stays ready for growth.
Debt Refinancing
Consolidate high-interest business debt into a single SBA 7(a) loan to lower your monthly payments and improve cash flow..
Equipment & Improvements
Fund machinery, technology, or facility upgrades with flexible repayment terms that match the life of the asset.
All SBA loans are subject to credit approval and SBA eligibility requirements. Stated timelines are contingent upon the applicant’s timely submission of all required documentation. Additional terms, conditions, and fees apply.
Key Benefits of SBA 7(a) Loans with T Bank
Higher
Loan Amounts
Finance acquisitions, business expansion, or large purchases with confidence, with loan amounts available up to the SBA maximum of $5 million.
Affordable,
Long-Term Repayment
Repayment terms of up to 25 years for real estate and 10 years for working capital keep your monthly payments manageable.
Lower
Down Payments
Contribute as little as 10% down to preserve your capital for growth, a significantly lower equity requirement than most conventional loans.
Our Streamlined
SBA 7(a) Loan Process
1. Discovery Call: A brief call to define your goals and confirm we’re the right fit.
2. Prequalification: We provide clear terms within 48 hours so you can move forward confidently.
3. Application & Underwriting: Our team guides you through a secure upload process and provides constant updates.
4. Closing & Funding: A dedicated closer coordinates all reports and documents to get you funded, with closings averaging around 60 days.
Real Borrower Success Stories
We’ve helped hundreds of business owners achieve their goals with SBA 7(a) loans. Our high application-to-close ratio means you can count on our team to secure funding quickly and confidently. Here are a few recent examples.
Ready to Buy a Business?
An SBA 7(a) loan is the ideal tool for acquiring a new business. We specialize in structuring acquisition loans that move fast and keep your future cash flow strong.
Prequalification terms in 48 hours
Funding in as little as 60 days
Financing from $500k to over $5MM
SBA 7(a) Loan Requirements & Frequently Asked Questions
Do I need collateral for an SBA 7(a) loan?
The SBA requires lenders to secure the loan with available business assets first (like inventory, equipment, or accounts receivable). A personal guarantee from all owners with 20% or more ownership is also required. While the SBA prefers loans to be fully collateralized, a lack of sufficient collateral will not automatically disqualify your application if the business shows strong, reliable cash flow and repayment ability.
What credit score do I need to qualify?
While most lenders look for solid personal credit (typically in the upper-600s), T Bank reviews your entire financial picture. We focus on your business’s health, historical cash flow, and repayment ability. A strong business plan and relevant management experience can be just as important as a single credit score.
How long does it take to get SBA 7(a) loan approval?
With a complete application, initial approval can take 5–10 business days. As an SBA Preferred Lender, T Bank has in-house authority to approve loans, which results in a faster, more reliable process than at non-preferred banks.
Can I use an SBA 7(a) loan for franchise financing?
Absolutely. Many small businesses use SBA 7(a) loans to buy or expand franchise locations, cover franchise fees, purchase equipment, and provide working capital.
Why work with T Bank for 7(a) loans?
We are a nationwide SBA Preferred Lender specializing in structuring loans for business acquisitions, partner buyouts, and working capital. Our dedicated, in-house team understands the nuances of the SBA process. This allows us to simplify the journey for our clients and get them to the closing table faster than non-preferred lenders.
Let's Get Your Project Funded
Our SBA 7(a) lending team is ready to help you navigate the process for your business acquisition, expansion, or working capital needs. Take the first step today.
All SBA loans are subject to credit approval and SBA eligibility requirements. Stated timelines are contingent upon the applicant’s timely submission of all required documentation. Additional terms, conditions, and fees apply.