SBA Loans for Your
Next Stage of Growth
A Bigger Move. A Longer-Term Plan.
Expand your business, acquire a company, or purchase the space you operate in. Explore SBA 7(a) and 504 financing with GoKapital and find a structure that fits your project and repayment capacity.
Start with your funding goal, business history, and financial profile.
Give Your Growth Room to Work
SBA-backed financing can give qualified businesses longer repayment periods and competitive terms. The value comes from matching the loan to the investment—and keeping payments manageable for your business.
Protect Cash Flow
A longer term can reduce the monthly payment for the same principal and rate. Compare total interest as well as the payment before deciding.
Finance Major Moves
Put a defined expansion, acquisition, or property purchase on a financing plan that reflects how the investment will support your business.
Understand the Structure
Participating lenders provide the financing; SBA guarantees part of eligible loans. That guarantee does not remove your repayment obligation.
Two Programs. Different Priorities.
Start with what the capital needs to do. SBA 7(a) supports a broader range of business purposes; 504 focuses on qualifying major fixed assets.
SBA 7(a) Loans
Up to $5 MillionFor working capital, business acquisitions, eligible refinancing, equipment, and real estate.
- Generally up to 10 years for working capital; qualifying real estate may have terms up to 25 years.
- Fixed or variable rates, depending on the lender and loan structure.
- SBA Express is a separate delivery method with a maximum of $500,000.
SBA 504 Financing
Built for Major AssetsFor qualifying owner-occupied commercial property and long-life equipment, with a CDC and senior lender.
- The SBA-backed 504 portion can reach $5.5 million for eligible projects; total project financing is a different figure.
- 10-, 20-, and 25-year maturities are available for the 504 portion.
- Working capital, inventory, and speculative rental property investments are not eligible uses.
Planning a larger project? Qualified borrowers who secure a 7(a) loan first may now access up to $5 million in each program under the combined $10 million policy. Each loan must independently qualify, and proceeds must serve eligible purposes.
Is Your Business Ready for SBA?
GoKapital’s review on this page focuses on operating businesses with verifiable revenue. A clear use of funds and documented repayment capacity matter more than a headline loan amount.
A Strong Starting Profile
Match the Funds to Your Next Move
Define the purchase, expense, or project first. That helps determine the program, documentation, and financing structure.
Build Working Capital
Use eligible 7(a) financing for inventory, operating expenses, or growth-related cash needs supported by your business plan.
Acquire a Business
Explore 7(a) for an eligible ownership change. Prepare the purchase agreement, target financials, and a plan for operating the business.
Own Your Workspace
Review 7(a) or 504 for qualifying property your business will occupy. Passive rental investments require another financing solution.
Upgrade Equipment
Compare 7(a) with 504 for eligible machinery and equipment. Useful life and project details affect the structure.
Refinance Eligible Debt
Review existing obligations for program eligibility and a measurable business benefit. Not every debt can be refinanced.
Expand Your Facility
Plan an eligible renovation, construction, or facility expansion with a documented budget and realistic completion schedule.
Better Documents. Fewer Delays.
A complete, consistent file helps the lender evaluate your request. The final checklist depends on the program and transaction; these are common starting documents.
Business Financials
Business tax returns, current profit and loss statement, balance sheet, business bank statements, and a schedule of existing debt.
Ownership & Background
Business formation records, ownership details, owner tax returns, a personal financial statement, identification, and required SBA forms.
Project Evidence
A written use of funds, budget, and projections when needed. Acquisitions, equipment, and property purchases need transaction-specific records.
Before you submit: Check that legal names, ownership percentages, requested amounts, and financial periods agree across the file. Use the designated application or secure document channel for sensitive records.
A Clear Process for a Serious Investment
SBA financing has several stages. A preliminary fit review helps you understand the path; final approval and disbursement depend on the lender and completion of all requirements.
Define the Goal
Share the amount, intended use, timeline, and business profile with GoKapital.
Prepare the Package
Confirm the potential program and organize the financial and project documents.
Complete Underwriting
The participating lender reviews eligibility, credit, cash flow, and transaction details.
Close & Disburse
Review final terms, satisfy closing conditions, and receive funds according to the loan structure.
Plan for weeks, and sometimes longer. Documentation, valuations, construction, and acquisition details can extend the schedule. An SBA response time is not the same as money arriving in your account.
Understand the Details That Matter
Get clear answers about cost, obligations, and program limits before choosing a loan.
What Interest Rate Can I Expect?
Your rate depends on the program, loan size, structure, and lender. SBA 7(a) rates may be fixed or variable and are subject to SBA limits. Ask for a written quote that explains the rate, fees, and payment.
Do SBA Loans Require Collateral or a Personal Guarantee?
They may. Requirements vary by loan and ownership structure. An SBA guarantee protects the lender in part; it does not eliminate borrower obligations. Review all collateral and guarantee requirements before signing.
How Much Is the Down Payment?
The required contribution depends on the project and applicable program rules. Some 504 projects use a 10% borrower contribution, while certain projects require more. The lender or CDC must confirm the amount for your transaction.
Can I Use a 504 Loan for Payroll or Inventory?
No. The 504 program focuses on qualifying fixed assets. SBA 7(a) may be a better route for eligible working capital and inventory needs.
What Costs Should I Compare Before Accepting?
Compare the monthly payment, total repayment, variable-rate exposure, required cash contribution, and closing costs. Ask about applicable SBA fees, packaging charges, appraisal or legal expenses, and prepayment provisions.
What If SBA Is Not the Right Fit?
GoKapital can review other options based on your business qualifications, intended use, and deadline. Compare costs and repayment schedules carefully; an alternative offer will have its own requirements.
Bring Us Your Goal. Let’s Review the Fit.
Tell us what you plan to finance and where your business stands today. GoKapital can help you evaluate whether an SBA path makes sense and identify the information needed to move forward.
Monday–Friday, 9AM–6PM ET
SBA program limits are not an offer of credit. Eligibility, rates, terms, guarantees, collateral, and funding are subject to current program rules, participating-lender underwriting, and closing conditions. GoKapital is not the U.S. Small Business Administration.