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How to Use an SBA Loan

SBA Loans can be used for a variety of reasons depending on the needs of your business, including:

  • Real estate purchase/refinance
  • Ground-up real estate construction
  • Construction of leasehold improvements
  • Equipment purchase
  • Lines of Credit
  • Permanent working capital
  • Expansion
  • Business acquisition
  • Partner buyout
  • Debt refinancing

Purchase of a business or Partner Buyout

  • Up to 85% financing for the acquisition of a business
  • Up to 100% financing for partner buyout
  • Up to $5 million in bank lending

Commercial Real Estate

  • Up to 90% financing
  • Up to 25-year term
  • 51% or more owner-occupied
  • Can include working capital, equipment, improvements


  • Up to 90% financing
  • 10 to 25-year term
  • Must be in business at least two years
  • Can include working capital, equipment and improvements


  • Must save at least 10% on current debt service
  • Up to 25-year term
  • Equity injection not required