SBA 7(a) Loans
Capital that fits how your business actually runs.
The SBA 7(a) loan program is the largest and most flexible government-backed small-business loan. With up to $5M in financing, 25-year terms, and Prime-tied rates, it's the lowest cost of capital available for qualifying businesses willing to complete the full application.
- Range
- $5M
- Terms
- Up to 25 years
- Speed
- 45–90 days
- Min FICO
- 650+
The short answer
What is an SBA 7(a) loan, and who qualifies?
The SBA 7(a) loan program is the largest and most flexible government-backed small-business loan. With up to $5M in financing, 25-year terms, and Prime-tied rates, it's the lowest cost of capital available for qualifying businesses willing to complete the full application.
- Range
- $5M
- Terms
- Up to 25 years
- Speed
- 45–90 days
- Min FICO
- 650+
- Min revenue
- $30K/mo
Last updated 2026-06-24
How it works
One application, three honest steps.
The same process powers every ICG product. SBA 7(a) adds nothing extra. See the full walkthrough →
Step 01
Apply
Three minutes online. No documents required to start. Soft credit pull only.
Step 02
Review
One ICG team underwrites your file against sba 7(a) criteria. You get a decision and indicative terms.
Step 03
Fund
Sign electronically. Funds wire to your operating account, typically within 24 hours of approval.
Who it’s for
Built for businesses that fit sba 7(a).
If these four lines describe your business, you very likely qualify.
Eligibility snapshot
- Time in business
- 6 months or more
- Monthly revenue
- $30K/mo
- Personal credit
- 650+
- Funding speed
- 45–90 days
Common use cases
Commercial Real Estate
25-year terms on owner-occupied commercial property, the longest term available in small-business lending.
Business Acquisition
Fund the purchase of an existing business or franchise with up to $5M at Prime-tied rates.
Major Expansion
Open a new location, acquire a competitor, or fund a 3-year growth plan with the lowest cost of capital available.
Debt Refinance
Consolidate higher-cost business debt into a single long-term SBA-backed loan.
Compare
SBA 7(a) sits next to four other products.
One application routes you to the product that actually fits. Full side-by-side comparison →
| Product | Range | Speed | Best for |
|---|---|---|---|
| SBA 7(a)You are here | $5M | 45–90 days | Commercial Real Estate |
| Revenue Funding | $500K | 24 hours | Emergency Payroll |
| Term Loans | $500K | 24–48 hours | Business Expansion |
| Line of Credit | $250K | 24 hours | Seasonal Cash Flow |
| Bridge Capital | $500K | 24 hours | Real Estate Deposits |
| SBA Loans | $5M | 30–60 days | Business Acquisition |
FAQs about SBA 7(a)
The questions we hear most.
01How long does SBA 7(a) actually take?
How long does SBA 7(a) actually take?
A well-prepared application typically closes in 45–90 days. Missing documents or complex ownership structures can extend this to 120 days or more.
02What's the difference between SBA 7(a) and SBA Express?
What's the difference between SBA 7(a) and SBA Express?
SBA 7(a) goes up to $5M with the longest terms. SBA Express caps at $500K with a faster turnaround (30–45 days) but slightly higher rates. ICG evaluates both for every applicant.
03Is collateral required?
Is collateral required?
The SBA requires collateral on 7(a) loans over $350K. For real-estate-secured loans, the property itself usually satisfies the requirement.
04Can I use SBA funds for working capital only?
Can I use SBA funds for working capital only?
Yes. Working-capital SBA 7(a) loans are common, though they typically carry shorter terms (7 – 10 years) than real-estate-backed loans.
By state
Available in every state we fund.
Each state page covers the local commercial financing disclosure rules, the SBA district office, and where to file UCCs for sba 7(a).
- AlabamaAL
- AlaskaAK
- ArizonaAZ
- ArkansasAR
- CaliforniaCA
- ColoradoCO
- ConnecticutCT
- DelawareDE
- Washington, D.C.DC
- FloridaFL
- GeorgiaGA
- HawaiiHI
- IdahoID
- IllinoisIL
- IndianaIN
- IowaIA
- KansasKS
- KentuckyKY
- LouisianaLA
- MaineME
- MarylandMD
- MassachusettsMA
- MichiganMI
- MinnesotaMN
- MississippiMS
- MissouriMO
- MontanaMT
- NebraskaNE
- NevadaNV
- New HampshireNH
- New JerseyNJ
- New MexicoNM
- New YorkNY
- North CarolinaNC
- North DakotaND
- OhioOH
- OklahomaOK
- OregonOR
- PennsylvaniaPA
- Rhode IslandRI
- South CarolinaSC
- South DakotaSD
- TennesseeTN
- TexasTX
- UtahUT
- VermontVT
- VirginiaVA
- WashingtonWA
- West VirginiaWV
- WisconsinWI
- WyomingWY
Ready when you are
Apply for SBA 7(a). Get an answer today.
Three minutes. Soft credit pull. One ICG team from application to wire.