Effective July 4, 2026 — the combined SBA limit doubled to $10 million. 7(a) and 504 no longer share a $5M ceiling. Your outstanding 7(a) balance no longer reduces what you can draw under 504.
SBA & Commercial Financing | Nationwide
Financing Built Around Your Business.
SBA 7(a), SBA 504 and commercial financing solutions for business acquisitions, owner-occupied real estate, construction, equipment and expansion.
Whether you’re purchasing a property, acquiring a business or preparing for your next stage of growth, SBA Finance Group helps you navigate the financing process from initial review through closing.
- Hotels
- Gas Stations
- Car Washes
- Assisted Living
- Business Acquisitions
- Commercial Real Estate
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Nationwide lending network
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Established 2002
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$650M+ Funded
The Right Financing Can Change the Entire Deal.
Getting approved is only part of the equation.
The loan structure, equity requirement, term, lender and overall financing strategy can have a significant impact on your business long after closing.
At SBA Finance Group, we help business owners evaluate their options and structure financing around the transaction — not force the transaction into a one-size-fits-all loan.
From straightforward owner-occupied real estate purchases to acquisitions, construction and more complex commercial transactions, our goal is simple:
Help you move forward with clarity, confidence and the right financing strategy.
Financing Solutions
Capital for the Next Stage of Your Business
SBA 7(a) Loans
Flexible SBA-backed financing for a wide range of business needs.
SBA 7(a) financing may be used for business acquisitions, commercial real estate, equipment, working capital, eligible debt refinancing, improvements and other qualified business purposes.
Financing up to $5 million for eligible transactions.
SBA 504 Loans
Long-term financing designed primarily for major fixed assets.
SBA 504 financing can be an attractive option for established businesses purchasing, constructing or improving owner-occupied commercial real estate or acquiring qualifying long-term equipment.
SBA financing of up to $5.5 million may be available for qualifying projects.
Commercial & Construction Financing
Not every transaction fits neatly into an SBA program.
For qualifying projects, we can also evaluate conventional, construction, bridge and other commercial financing strategies through our financing network.
MORE CAPITAL. MORE POSSIBILITIES.
Eligible Businesses May Now Access Up to $10 Million in Combined SBA Financing.
Recent SBA changes allow eligible borrowers to combine 7(a) and 504 financing for up to $10 million in SBA-backed financing.
For growing businesses with larger real estate, equipment or expansion needs, this can create new opportunities to structure transactions that previously exceeded traditional SBA program limits.
Every transaction is different. We can review your project and help determine which financing structure may be appropriate.
Financing Solutions
Capital for the Next Stage of Your Business
Different industries come with different underwriting considerations, operating models and real estate requirements.
Our experience includes financing for:
- Hotels & Hospitality
- Gas Stations & Convenience Stores
- Car Washes
- Assisted Living & Senior Care
- Daycare & Childcare Centers
- Retail Businesses
- Restaurants & Franchises
- Medical & Healthcare Businesses
- Manufacturing & Industrial Businesses
- Owner-Occupied Commercial Real Estate
- Business Acquisitions
- Construction & Expansion Projects
Don’t see your industry? Tell us about your business and the transaction you’re considering.
WHY WORK WITH US
Experience Matters When the Transaction Gets Complicated.
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SBA Financing Expertise
We understand how SBA financing works and help borrowers identify the program and structure that best fits their transaction.
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Access to Financing Options
Instead of approaching a single institution with a single lending box, we evaluate financing options based on your business, project and qualifications.
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Experience With Complex Transactions
Acquisitions, construction projects, hospitality properties and specialized businesses often require more than a standard loan application.
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Guidance From Start to Closing
We help you understand what lenders need, prepare for underwriting and move the transaction toward closing with fewer surprises.
HOW IT WORKS
A Clearer Path to Financing.
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Share the business, property, acquisition or project you’re looking to finance.
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We’ll evaluate the transaction, financing need and overall borrower profile to identify potential financing strategies.
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Once a direction is established, we help organize the financing package and guide the transaction through the underwriting process.
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We stay engaged throughout the process to help address financing questions, documentation and lender requirements through closing.
Trusted by Business Owners Nationwide
They understood the deal, not just the loan.
We were looking for financing to purchase a gas station and had already spoken with a couple of lenders who couldn’t give us a clear path forward. SBA Finance Group took the time to understand the business, walked us through our options, and helped us structure the financing from beginning to end. Having someone who understood this type of transaction made a huge difference.
They made a complicated process much easier.
Financing a hotel purchase can get complicated quickly. The SBA Finance Group team was responsive, straightforward, and always kept us informed about what was needed next. They helped us work through the financing process and kept the transaction moving toward closing. I would absolutely work with them again.
We finally felt like someone was working with us.
What stood out was the level of communication. Instead of simply telling us whether a deal fit into a lending box, they helped us understand the different options available and what made the most sense for our business. We were able to secure financing for our acquisition and move forward with confidence.
