Overview
Government-backed leverage, bank-level structure
SBA 7(a) and 504 loans let you buy real estate, acquire a business, or fund working capital with far less money down than conventional financing typically requires — because the government guarantee reduces the lender's risk.
The tradeoff is paperwork and process: SBA loans move slower and require a more complete file than most alternative products. That's exactly where a broker who's underwritten hundreds of them pays for itself — we know which SBA lenders are actively funding your industry and loan size right now, and we package the file so it doesn't stall in underwriting.
Ideal for
- Purchasing owner-occupied commercial real estate
- Acquiring an existing business or franchise
- Buying out a business partner
- Funding equipment or working capital alongside real estate
- Borrowers who want to preserve cash with a lower down payment
At a Glance
Typical deal parameters
General ranges for 7(a) and 504 structures — actual terms depend on use of funds and the specific SBA lender.
Not every SBA lender pays broker fees or serves every industry — we know which ones fit your deal before we submit it.
Why LendHaven
We speak SBA fluently — because Bruce underwrote it
SBA & Conventional Lending was a core part of Bruce's 20 years inside national and regional banks. We know the automatic disqualifiers, the documentation an SBA underwriter actually needs on day one, and which lenders in our network have the appetite for your industry right now.