SBA 7(a) Loan Program
The U.S. Small Business Administration's 7(a) program is the most versatile and widely-used government-backed loan. RPA Commercial Loans works exclusively with SBA Preferred Lenders, delivering faster approvals, reduced paperwork, and better terms for your business.
Key Loan Terms
What Can You Use an SBA 7(a) Loan For?
Owner-Occupied Real Estate
Purchase or refinance a building where your business operates, with as little as 10% down.
Equipment & Machinery
Finance vehicles, heavy equipment, computers, medical devices, and other fixed assets.
Working Capital
Seasonal inventory, staffing, marketing, or general business operating expenses.
Debt Refinancing
Refinance existing high-rate business debt into a lower-rate, longer-term SBA loan.
Franchise Financing
Starting or expanding a franchise? SBA 7(a) is one of the most common franchise funding solutions.
Startup Businesses
New businesses may qualify using reasonable income projections when partnered with SBA Preferred Funders.
Basic Eligibility Requirements
Not sure if you qualify? Our loan officers evaluate every situation individually. Contact us for a free consultation.
The RPA Commercial Loans SBA Loan Process
Submit Quick Application
Complete our short online application. Takes under 10 minutes.
Matched to SBA Preferred Funder
We connect you exclusively with SBA Preferred Lenders for the fastest approval.
Document Collection
Our platform guides you through the required documentation step-by-step.
Underwriting & Approval
Our loan officers manage the underwriting process on your behalf.
Closing & Funding
Execute closing documents and receive your funds, typically within 30 to 60 days.
Related SBA Products
SBA 504 Loan
Fixed-rate, long-term financing for major fixed assets including owner-occupied real estate.
Learn More →SBA Microloans / CDFI
Up to $50,000 for small businesses and startups in underserved communities.
Learn More →Frequently Asked Questions
Answers to the most common questions about this loan program. Don't see your question? Call us at (844) 250-5626.
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Learn more from our blog before you apply.
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Ready to Apply for an SBA 7(a) Loan?
Our loan officers will match you with the right SBA Preferred Lender and guide you through every step of the process.