sba-loans
3 posts tagged "sba-loans".
The SBA does not lend money, it guarantees a portion of a bank's loan, and in exchange it caps what the bank may charge. That cap is public and it moves with the prime rate, which makes an SBA quote one of the few in business finance you can check against a published ceiling.
- Financing
Business acquisition loan rates in 2026
Buying a business usually runs on an SBA 7(a) loan at prime plus up to 3%. How the capital stack works, the 10% equity rule, and what each source of money costs.
- Financing
SBA 504 loan rates and how the structure works
The SBA 504 funds owner-occupied real estate with a 50/40/10 split and a long fixed below-market rate. How it is built, what you put down, and 504 versus 7(a).
- Financing
SBA 7(a) interest rates: the 2026 legal ceiling
SBA caps how far over prime a 7(a) lender can charge. In 2026 the maximum runs from 9.75% on large loans to 13.25% on small ones. Here is the full table.