SBA 7(a) loan

An SBA 7(a) loan is a loan or line of credit between $350,000 and $5 million issued by Regions and partially guaranteed by the SBA. The funds may be used for financing business acquisitions, equipment, debt refinance, working capital, inventory and leasehold improvements.

SBA 7(a) loan at a glance

Borrow up to $5 million

Low monthly obligation

Low down payments

Fully amortizing with no balloon

Longer terms

Are you eligible for an SBA 7(a) loan?

Small businesses must meet specific criteria to be eligible for an SBA 7(a) loan. As an SBA preferred lender, our specialized SBA Banker can customize a plan for your business needs.

7(a) Term loan details

    • Down payment as low as 10%
    • Longer term available for lower monthly payments
    • Finance business acquisitions with limited assets
    • Finance permanent working capital or expansion costs
    • Variable and fixed-rate options available
    • Fees may be rolled into loan
    • Ask an SBA Banker about the specific fees associated with SBA loans
  • Maximum loan amount up to $5 million

  • Regions Loan [1]

    • Equipment: Term up to 15 years or the life of the equipment, whichever comes first.
    • Real estate: Minimum term of 10 years with up to 25-year payment options
    • Working capital: Loan term up to 10 years
    • Business acquisition: Loan term up to 10 years

SBA 7(a) loan FAQ

  • An SBA 7(a) loan allows small businesses to get financial assistance when specific requirements are met. Learn more about SBA 7(a) loans by visiting

  • Proceeds can be used for commercial real estate purchase, leasehold improvements, construction, business acquisition, partner buyout, furniture, fixtures and equipment, inventory or working capital.

  • The borrower’s responsibilities include personal and business tax returns, financial statements and additional business forms and documentation based on the request.

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