SBA 7(a) loans
- Long Term Funding Backed by the Government
- Up to 5 million
- Repayment Terms up to 25 years
Key Highlights
Unlock your business
growth today
Increased
Capital
Borrow up to
$5 Million
Government
Backed
Competitive
interest rates
Extended
Repayment
Terms up to
25 years
Expand with Confidence - Backed by the SBA
SBA 7(a) loans are government-guaranteed business loans that offer some of the most borrower-friendly terms in the market. Use the funds for expansion, refinancing, working capital, equipment, or just about any long-term need.
If you’re thinking big and want affordable capital with room to grow, this is a great option. However, SBA processing is notoriously long, and most businesses have to wait at least 3 months to receive their funds.
If you’re looking for faster capital, TRAM Funding has many cash-flow based solutions that can support your goals.
Why get it?
Smart capital for
Serious growth
Business leaders think long-term
Your financing should, too.
Higher amounts
Get up to $5M in
affordable financing.
Longer terms
Repayment plans
up to 25 years.
Lower rates
Government guarantee
means better terms.
Flexible use
Use funds for nearly
any business purpose.
What’s the difference?
SBA 7(a) vs other options
| Feature | SBA 7(a) Loan | Term Loan | Cash Flow Loan |
|---|---|---|---|
|
Max Amount |
$5M |
$1–$2M |
$10M |
|
Approval Speed |
Slower |
Moderate |
Fastest |
|
Repayment Term |
Up to 25 years |
1–10 years |
6–24 months |
|
Best For |
Long-term expansion |
Medium-term growth |
Short-term needs |
Why TRAM Funding?
SBA loan navigation
made simple
Start today and get one
step closer to
long-term growth.
We help you cut through
the red tape, finding the
smartest path to approval
with the best offer - faster.!
- Access to top SBA lenders
- Expert SBA loan advisors
- Competitive rates, flexible terms
- Support that doesn’t stop at funding
What do I need?
Required Documents
SBA loans require more paperwork
than other financing types.
Here’s what you’ll need:
- SBA forms 1919 & 413
- Three years of business tax returns
- Articles of Incorporation or organization
- Loan application history (if applicable)
- Business plan (including financial projections)
- Collateral documentation (if offering collateral)
- Business financial statements
- 3 years of personal tax returns (for each owner with 20% or more ownership)
- Business certificate or license
- Ownership and affiliations list
- Resumes for each principal
- Lease agreement (if applicable)
FAQs
What’s the largest SBA loan that I can get?
You can access up to $5.5 million through the SBA 504 program. If you qualify for multiple 504 loans (e.g., for green energy initiatives), you may access up to $16.5 million in total.
Is SBA funding flexible?
ou can leverage SBA loans for “almost” every business purpose, including:
Purchase land Inventory/supplies
Raw materials Improve a property
Working capital
Equipment
Payroll
Constructing buildings (up to 2)
And more!
You can’t use an SBA Loan for investment real estate (to sell or lease), refinance existing debt that would “expose the SBA to a loss,” pay delinquent taxes, or relocate the borrower from a community where their departure would result in a significant increase in unemployment.
Does applying for an SBA loan hurt my credit?
The SBA uses the FICO SBSS score to evaluate borrowers. During the closing process, there is a tri-merge hard credit pull that will impact your credit.
SBA loans typically don’t show up on your personal credit report.
Is it hard to get approved for an SBA loan?
It’s more involved than other loans, but with the right guidance, it’s very doable. Strong credit, revenue, and documentation improve your chances significantly.