SBA
How much can I borrow with an SBA 7(a) loan?
Short Answer
Up to $5 million. Most Inflection Financing SBA 7(a) loans fund between $250,000 and $5,000,000 with 10–25 year terms.
Detail
The SBA 7(a) program is statutorily capped at $5,000,000 per borrower (aggregate across all SBA 7(a) loans outstanding). Loan size within that cap is determined by your debt service coverage ratio, time in business, collateral, and use of funds. Real estate purchases generally support the largest loans because of the 25-year amortization. Inflection Financing, as a Preferred Lender, underwrites the full $5M in-house.
Key facts
- Statutory cap: $5,000,000
- Typical Inflection Financing range: $250K – $5M
- 25-year amortization for real estate, 10-year for working capital
- Personal guarantee required for any owner with 20%+ equity
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