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Which SBA loan program fits?
Five questions, one recommendation: 7(a), 504, or Express, with the reasoning shown.
Your result
A recommendation from five answers is a starting point, not a credit decision. Program rules are on the comparison page.
The three programs in one minute
SBA 504 finances owner-occupied real estate and heavy equipment: a bank lends roughly 50%, an SBA-guaranteed debenture covers about 40%, and you put in 10%. The SBA portion carries a fixed rate for up to 25 years. It cannot fund working capital.
SBA 7(a) is the general-purpose program: working capital, acquisitions, equipment, real estate, and refinances, up to $5 million, with fixed or variable rates negotiated within SBA maximums.
SBA Express is the speed lane: up to $500,000 with decisions in about 36 hours, priced higher and guaranteed at 50% instead of 75-85%.