Government-backed small business financing up to $5.5M. Low down payments, long terms, and competitive rates for owner-occupied commercial real estate, equipment, acquisitions, and working capital.
Choose the right program for your needs
| Feature | SBA 7(a) | SBA 504 |
|---|---|---|
| Max Loan Amount | $5,000,000 | $5,500,000 |
| Use of Funds | RE, equipment, WC, acquisition, refinance | Owner-occupied RE, major equipment |
| Down Payment | 10% minimum | 10% minimum |
| Max Real Estate Term | 25 years | 25 years |
| Rate Type | Variable (Prime + spread) | Fixed (5/10-yr Treasury) |
| Best For | General business financing, flexibility | Owner-occupied CRE, major equipment |
Benefits
Only 10% down vs. 20–30% required for conventional commercial loans. Preserve capital for operations, renovations, or other investments.
Up to 25 years on real estate, 10 years on equipment. Lower monthly payments improve cash flow and business stability.
Government guarantee reduces lender risk, resulting in lower rates than conventional commercial financing — especially for growing businesses.
Real estate purchase, equipment financing, working capital, debt refinancing, business acquisition — SBA 7(a) covers them all in one loan.
Fully amortizing loans with no balloon payment risk. Your payment stays predictable for the life of the loan.
As a Preferred SBA Lender, Fintek Capital has delegated authority to approve most SBA loans without waiting for SBA review — saving you 1–2 weeks.
Download our free SBA Loan Guide or submit a soft quote to get started.