SBA Loans to Grow, Acquire, or Expand Your Business

SBA 7(a), 504, Express, and Microloan programs for Southern California businesses

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Your Challenges

We Understand Your Challenges

Every borrower's situation is unique. Here's how we help you overcome common obstacles.

Separating business and personal finances when applying for loans

Navigating the extensive SBA documentation requirements and approval timeline

Qualifying for business loans when business debt or recent losses are on the books

Finding an SBA Preferred Lender who understands your specific industry

Your Options

Loan Programs for You

Based on your borrower profile, these programs may be a great fit.

SBA 7(a) Loans

The SBA's most common loan program offering up to $5 million for working capital, equipment, real estate, acquisitions, partner buyouts, and debt refinancing.

Min. Credit Score: 680

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SBA 504 Loans

Long-term, fixed-rate financing for major fixed assets like commercial real estate, heavy equipment, and construction or renovation projects.

Min. Credit Score: 680

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SBA Express Loans

Faster SBA financing with loan amounts up to $500,000 and expedited turnaround. Available as term loans or revolving lines of credit for businesses needing quick access to capital.

Min. Credit Score: 680

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SBA Microloans

Small loans up to $50,000 for startups and small businesses. Ideal for working capital, inventory, supplies, and equipment. Often paired with business training and technical assistance.

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Eligibility

Do You Qualify?

Review these common eligibility criteria to see if you may be a good fit.

  • Business must operate for profit within the United States
  • Must meet SBA size standards for your industry (typically under 500 employees or under $7.5M revenue)
  • Business owners must have reasonable personal credit (typically 680+)
  • Must demonstrate ability to repay through business cash flow analysis
  • Must have explored other financing options before seeking SBA-backed loans

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FAQ

Frequently Asked Questions

SBA 7(a) is best for versatile needs up to $5M (working capital, equipment, real estate, acquisitions). SBA 504 is ideal for purchasing commercial real estate or heavy equipment with a below-market fixed rate. SBA Express is best when you need up to $500K quickly. SBA Microloans are designed for startups needing up to $50K.
SBA Express loans can be approved in as little as 36 hours. Standard SBA 7(a) loans typically take 30-60 days. SBA 504 loans take 45-60 days due to the dual-approval process. Timeline depends on how quickly you can provide complete documentation.
Yes. SBA 7(a) loans are commonly used for business acquisitions. You can finance the purchase of an existing business, buy out a partner, or acquire the assets of another company. The SBA requires a business valuation and typically requires 10% down from the buyer.
The SBA requires lenders to collateralize loans to the extent possible. Real estate, equipment, and other business assets are typically pledged. However, the SBA will not decline a loan solely due to lack of collateral. A personal guarantee from all owners with 20%+ ownership is always required.
Yes, particularly SBA Microloans which are designed for startups. SBA 7(a) loans are also available for startups but require a strong business plan, relevant industry experience, good personal credit, and sufficient personal investment in the business.
SBA 7(a): working capital, equipment, real estate, acquisitions, partner buyouts, debt refinancing. SBA 504: commercial real estate and heavy equipment only. SBA Express: same as 7(a) but capped at $500K. SBA Microloans: working capital, inventory, supplies, equipment (not real estate or debt repayment).

Ready to Get Started?

Take the first step toward your mortgage goals. Our team is here to guide you.

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(714) 399-6361

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: June 2026