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SBA 7(a) Loan

Government-backed loans up to $5M for working capital, equipment, real estate, acquisition, or refinancing - the lowest rates in business lending.

LOAN RANGE

$50K - $5M

TURNAROUND

30 - 90 days

Best for established businesses that want the lowest rates and longest terms available and can provide fuller documentation in exchange for that pricing.

About SBA 7(a) Loan

SBA loans are business loans partially guaranteed by the U.S. Small Business Administration. That government guarantee reduces the lender's risk, which lets banks offer longer terms and lower rates than they otherwise could � making SBA financing one of the most affordable ways to fund a growing business. The two most common programs are the SBA 7(a) loan (flexible, general-purpose) and the SBA 504 loan (for real estate and major equipment).

SBA loans take more documentation and a bit more time than fast working-capital products, but the trade-off is meaningful: terms can stretch to 10 or even 25 years, keeping payments low. Winvest Capital LLC helps you assemble a complete, lender-ready package and matches you with active SBA lenders so your file moves efficiently through approval.

How It Works

  1. 1Complete the application and gather core documents: business and personal financials, tax returns, a business plan or use-of-funds, and ownership details.
  2. 2We match your file to active SBA lenders whose appetite fits your industry, loan size, and use of funds.
  3. 3The lender underwrites the request and, for qualifying files, secures the SBA guarantee.
  4. 4You receive a commitment outlining the amount, rate, term, and any conditions to close.
  5. 5After conditions are satisfied, the loan closes and funds are disbursed for your approved purpose.

Who Qualifies

  • For-profit U.S. businesses operating in an eligible industry
  • Owners with reasonable credit and the ability to document repayment capacity
  • Businesses that meet SBA size standards for their industry
  • A clear, eligible use of funds (working capital, equipment, real estate, acquisition, refinance)

Typical Terms

Amount $50K � $5M
Term Up to 10 yrs (25 for real estate)
Use of funds Working capital, equipment, real estate, acquisition
Timeline Typically 30 � 60 days

Pros & Cons

Advantages

+Among the lowest rates available to small businesses
+Long repayment terms � up to 10 years for many uses, 25 for real estate � keep payments low
+Larger loan amounts than most non-bank products
+Can fund a wide range of needs, including business acquisition

Considerations

-More documentation and a longer timeline than fast funding products
-A personal guarantee and sometimes collateral are typically required
-Strong credit and financials improve approval odds and pricing

Ready to Apply for SBA 7(a) Loan?

Fill out the application below and a funding advisor will reach out within 1 business day.

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Program Highlights

Lowest rates in business lending
Terms up to 25 years
Up to $5M
Use for almost any business purpose

Required Documents

Have these ready to speed up your approval:

??SBA Form 1919 - Borrower Information
??SBA Form 912 - Personal History Statement
??SBA Form 413 - Personal Financial Statement
??3 years business tax returns
??3 years personal tax returns
??Year-to-date profit & loss statement
??Year-to-date balance sheet
??3 months business bank statements
??Business debt schedule
??2-year financial projections
??Business plan or loan purpose narrative
??Business licenses and permits
??Articles of incorporation / operating agreement
??Business lease agreement
??Certificate of good standing
??EIN confirmation letter
??Government-issued ID
??Resume for each principal

Typical Timeline

30 - 90 days

Timeline begins after all required documents are received and verified.

Need Help?

Talk to a funding advisor

?? (347) 508-5296

Frequently Asked Questions