SBA Financing Options
Structured financing paths connected to SBA-backed programs.
SBA-related financing options may be worth exploring for businesses seeking more structured funding programs supported by U.S. Small Business Administration support. These programs can be used across a range of business needs, and for many business owners they represent an important path to more established small-business financing solutions.
What SBA financing may help support
Depending on the program, SBA-related financing may be used for working capital, equipment, real estate, business acquisition, refinancing, and other eligible business purposes. The right program depends on the use of funds, the size of the request, and the overall business profile.
Working CAPITAL
Equipment
REal Estate
Business Acquisition
Refinancing
Other Eligible Purposes
funding range
SBA 7a Loan
Maximum loan amount of $5 million
SBA Express Loans
Up to $500,000
SBA Microloans
Capped at $50,000
SBA 5O4 Loans
SBA-backed portions up to $5 million or $5.5 million for certain eligible projects
Additionally
For most 7(a) loans, the SBA guarantees up to 85% of loans of $150,000 or less and up to 75% of loans above $150,000, which can make these programs especially important within the small-business lending landscapе. Real estate terms under 7(a) can extend up to 25 years in qualifying cases, depending on the use of proceeds and program structure.
Why business owners
explore it
SBA-related financing is often explored by businesses seeking more structured small-business funding pathways and, in some cases, more accessible terms than they might find elsewhere. The process can feel more approachable when the options are explained clearly and matched thoughtfully to the business need.
How we approach the conversation
The first step is to understand the business, how the funds will be used, and whether an SBA-related path makes sense to explore further. From there, the conversation can focus on the next step in a way that feels practical and easier to follow.
Schedule A Consultation
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*Funding amounts, terms, and eligibility vary based on the financing product, lender requirements, and the overall business profile.
Commercial lending solutions for
business owners, investors, and entrepreneurs.
Sphinx Capital Group is an independent business focused on providing clear communication, thoughtful guidance, and a more personal approach to financing conversations.
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