SBA 7(a) Loans

Backed by the U.S. Small Business Administration

The SBA’s flagship loan program helps small businesses access affordable, long-term financing for a variety of purposes—from working capital to equipment purchases and real estate. Terms and conditions vary depending on the loan type and use of funds.

Contact us to learn more about a Line of Credit

Call us at 000-231-213 to speak to a loan specialist today.

Quick business funding without putting assets at risk

How funding works

  • Merchants must meet eligibility criteria set by both the SBA and the lender

  • SBA application processing typically takes 5–10 business days

  • Loan amounts available up to $5,000,000

  • Terms depend on loan purpose (e.g., up to 25 years for real estate)

  • Equipment loans may have terms up to 10 years

Rates are based on

  • Market Prime Rate (MPR)

  • Loan size and term

  • Time in business

  • Credit profile, profitability, and existing debt

Required documents

  • Application with basic business and merchant details

  • Business financial statements (balance sheets, profit and loss, projected statements)

  • Loan application history

  • Income tax returns

  • Additional documentation as needed

Ask Yourself

  • What will you use the SBA 7(a) loan funds for?

  • How soon do you need the funding?

  • Do you have any existing debt on your balance sheet?

Good to know

  • Long repayment terms, low interest rates, and no prepayment penalties make SBA 7(a) loans a great choice

  • Loans can be used for working capital, business expansion, or purchasing equipment and supplies

  • Additional SBA loan types are available depending on your needs

Client feedback on our services

We provide financial solutions and business services that empower our clients to stay competitive and grow—helping drive our nation’s economy forward.

John Doe
we got our first business loan to expand our retail space and improve the customer experience. The results were immediate—higher sales and faster checkouts led to a full return on investment within 4 months.
Owns Small Insurance Company
Familia M
Thanks to Premium Merchant Funding, I was able to open a second restaurant location in California with full funding for renovations and equipment—exactly what I needed to grow.
Restaurant Owner
Winki Yon
Premium Merchant Funding provided the financing we needed to make essential upgrades. With competitive rates and flexible repayment terms, we saw increased customer traffic—and the loan paid for itself within 1–2 years!
Owns Retail Store

Scale your business faster with reliable, results-oriented growth services.

Scale your business faster with reliable, results-oriented growth services.

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Specialists

More than 500 funding experts ready to help you grow

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Financing options

15 ways to fund and support your small business

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Financing options

Get up to $20,000,000 in funding — no collateral needed

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Hours

Receive your funds within 48 hours

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