SBA 7(a) FINANCING
Finance Your Business Acquisition
Partner with SBA-certified banks and lenders to secure favorable financing for purchasing qualified businesses. Access up to 90% financing with competitive rates and extended terms.
Up to
90%
Financing Available
ABOUT SBA 7(a) FINANCING
Acquire Your Next Business with Confidence
Union Point Commercial Finance partners with SBA-certified banks and lenders to provide business acquisition financing through the SBA 7(a) loan program. This government-backed financing option offers entrepreneurs favorable terms to purchase established businesses.
Whether you're a first-time buyer or an experienced operator looking to expand your portfolio, SBA 7(a) financing provides the capital and structure needed to complete your acquisition successfully.
Competitive Rates
Government-backed rates typically lower than conventional financing
Extended Terms
Up to 10 years for business acquisitions with manageable payments
High LTV
Finance up to 90% of the purchase price with minimal down payment
SBA Guarantee
Government backing provides lenders confidence and borrowers flexibility
PROGRAM ADVANTAGES
Why Choose SBA 7(a) Financing?
The SBA 7(a) program offers unique advantages that make business acquisition more accessible and affordable for qualified buyers.
Lower Down Payment
Typically 10% down payment compared to 20-30% for conventional loans, preserving your working capital.
Longer Repayment Terms
Up to 10 years for business acquisitions and 25 years for real estate, reducing monthly payment burden.
Competitive Interest Rates
Government-backed rates are typically more favorable than traditional commercial loans.
Higher Loan Amounts
SBA 7(a) loans up to $5 million for qualified business acquisitions.
Real Estate Included
Finance both the business and real estate in a single transaction when applicable.
First-Time Buyer Friendly
Designed to help entrepreneurs with limited experience enter business ownership.
ELIGIBLE BUSINESSES
Qualified Business Types
SBA 7(a) financing is available for a wide range of established businesses across multiple industries. Here are common business types we help clients acquire.
Restaurants & Food Service
Full-service restaurants, quick-service, cafes, catering
Retail Businesses
Specialty retail, convenience stores, franchises
Service Businesses
Professional services, home services, B2B services
Healthcare Services
Medical practices, dental offices, veterinary clinics
Manufacturing
Light manufacturing, distribution, production facilities
Automotive Services
Auto repair, car washes, dealerships, specialty shops
Basic Qualification Requirements
Operating Business
Business must be operational with established revenue history
Owner-Operator
Buyer must actively participate in business management
U.S. Based
Business must operate primarily within the United States
HOW IT WORKS
Your Path to Business Ownership
Our streamlined process guides you from initial consultation through successful acquisition, with expert support at every stage.
Initial Consultation
Discuss your acquisition goals, target business, and financial situation with our advisors.
Pre-Qualification
Review your creditworthiness, experience, and down payment capacity to determine eligibility.
Business Evaluation
Analyze the target business financials, operations, and market position for lender approval.
Lender Matching
Connect you with SBA-certified lenders best suited for your specific acquisition.
Application & Underwriting
Submit comprehensive loan package and work through underwriting process with lender.
Closing & Funding
Finalize loan documents, complete due diligence, and fund your business acquisition.
Timeline: Most SBA 7(a) acquisitions close within 60-90 days from application to funding
Start Your ApplicationReady to Acquire Your Business?
Connect with our SBA financing specialists to explore acquisition opportunities and secure favorable terms through certified lenders
Or call us at (800) 555-1234