SBA 7(a) Loan
The most flexible SBA loan there is.
SBA 7(a) loans are made by banks and other SBA-approved lenders and partially guaranteed by the U.S. Small Business Administration, which allows longer terms and lower payments than most business loans. Use them for working capital, equipment, refinancing, buying a business, or owner-occupied real estate.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Why SBA 7(a)
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
For-profit businesses with a few years of history, good owner credit, and cash flow that covers the payment — including buyers of an existing business and partners buying out a partner.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Typical amounts | Small-ticket programs about $50,000–$350,000; the SBA program cap is $5 million |
|---|---|
| Typical terms | Up to 10 years (working capital, equipment); up to 25 years (real estate) |
| Credit | Most small-ticket programs look for about 680+ |
| Time in business | Usually 2–3+ years |
| Revenue | About $250,000+ a year on small-ticket programs |
| Paperwork | Business and personal tax returns, financials, SBA forms |
| How fast | Streamlined small-ticket 7(a) loans can close in about two to six weeks; larger or real-estate 7(a) loans commonly take 30–90 days. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for sba 7(a) loan — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04SBA Form 1919 (Borrower Information)sba
- 05SBA Form 413 (Personal Financial Statement)sba
- 062 years business tax returnstax
- 072 years personal tax returns (each 20%+ owner)tax
- 08Year-to-date P&L and balance sheetfinancials
- 09Business debt schedulefinancials
- 10Use of proceeds breakdownapplication
Industries we often advise on for SBA 7(a) Loan
Where sba 7(a) loan is one of the best-fit options for how the business earns.
Compare related options
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More on SBA 7(a) Loan
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