Amounts up to $5 million
From $30,000 up to $5 million.
SBA 7(a) Business Loan Program
SBA 7(a) Loan Program From Money Man 4 Business
Long, flexible repayment for small to medium size businesses. Check your eligibility in less than 3 minutes with our Eligibility Survey.
- Pre-approved within 2 business days
- Funded in 5–15 business days
- Closing costs can be included
Loan amounts up to
$5M
25 yrs Commercial real estate terms
Prime + 3% Avg. 10.75% as of 10/22/2026
Rated Excellent by our clients 
John GuilloryCFO · Ask for JJ Loans up to $5 Million10-Year Terms (Up to 25 with Real Estate)No Prepayment PenaltyUp to 25-Year Commercial Real Estate TermsClosing Costs Can Be FinancedPre-Approval in 2 Business DaysSBA Backed Since 1953 Best for Small to Medium Size Business Owners
Longer, flexible repayment for growing businesses
SBA 7(a) can be very useful for small to medium size businesses thanks to its longer and flexible repayment period. At Money Man 4 Business we make sure you get the best program at the best rate for your business growth and success — and you can check your eligibility in about 3 minutes with our eligibility survey.
What is the SBA 7(a) loan program?
An SBA loan is a government-guaranteed small business loan with a long term and a low interest rate. The Small Business Administration (SBA), founded in 1953 to help entrepreneurs across the United States, partially guarantees (insures) these loans for the lender.
Rates vary from bank to bank and lender to lender, but the SBA sets the maximum interest that can be charged. SBA loans from banks and community lenders in the Money Man 4 Business network have variable interest rates that are based on your qualifications — not on the amount you need.
The SBA does not lend the money itself. It acts as the insurer: the U.S. government guarantees the lender a large part of the loan, which is why lenders can offer longer terms and lower rates.
1953
The SBA has helped U.S. entrepreneurs since 1953
Watch: SBA 7(a) explained
If your bank said no, you are not done with SBA
The biggest misconception about SBA 7(a): “my local bank turned me down, so I can’t get an SBA loan.” That’s not true — every lender has its own sweet spot.
- A bank “no” does not mean SBA is off the table
- Every lender has a preferred sweet spot — certain industries and business sizes
- Some lenders work with large manufacturers, others with small businesses
- Some lenders do not require collateral (no collateral up to $350,000)
- We match you with the right lender in our network
Features
Built for long-term growth
Bigger amounts, longer amortization and flexible collateral.
Up to 25 years for real estate
Monthly payments, owner-occupied, commercial property.
Current Prime + 3%
Current Prime + 3% variable rate. Current average SBA loan rate 10.75% as of 10/22/2026.
Longer amortization
Lower monthly payments that protect cash flow.
Debt consolidation
Consolidate existing loans into one SBA loan. *MCA future receivable contracts are excluded.
Collateral flexibility
No collateral required up to $350,000. Loans over $350,000 require collateral.
Closing costs included
Closing costs can be rolled into the loan.
SBA guaranteed
Partially guaranteed by the U.S. Small Business Administration.
Use of Proceeds
One loan, many ways to grow
From day-to-day cash flow to buying the building you operate in.
- Cash flow & working capital
- Business acquisitions
- Business expansion — buy a new location incl. inventory
- New franchise financing
- Machinery & equipment acquisition / refinancing Up to 100%
- Debt consolidation & refinancing (MCA receivables excluded)
- Real estate acquisition or refinancing (51% owner-occupied) Up to 90%
- Construction loans Up to 90%
Estimate & Real Results
What would your monthly payment be?
Slide to estimate — then see real SBA 7(a) loans we’ve funded.
Payment estimator
$30,000$5,000,000
Term
Estimated monthly payment $0
Get My Real RateEstimate only — not an offer. Actual rate, term and payment are set by the lender after underwriting.
Recent Funding
Recent Funding 01
$350,000
- Monthly
- $4,771.85
- Rate
- 10.75%
- Term
- 10 Years
Recent Funding 02
$250,000
- Monthly
- $3,408.47
- Rate
- 10.75%
- Term
- 10 Years
Recent Funding 03
$150,000
- Monthly
- $2,054.08
- Rate
- 10.75%
- Term
- 10 Years
Recent Funding 04
$475,500
- Monthly
- $4,569.94
- Rate
- 10.75%
- Term
- 25 Years
Recent Funding 05
$2,500,000
- Monthly
- $24,052.32
- Rate
- 10.75%
- Term
- 25 Years
- SBA 7(a) & SBA 504: Commercial Real Estate (refinancing/purchasing locations), working capital, equipment financing, and debt consolidation.
- SBA 7(a) vs. SBA 504: The main difference between SBA 7(a) and 504 is that 7(a) can finance 100% of the project, and 504 can finance 90%. 7(a) rates are higher and the 504 rates are lower. 7(a) allows you to cash out for working capital and consolidate business debt, while 504 has no working capital, only refinancing or purchasing business real estate and purchasing equipment that has a 10-year life expectancy.
Rated Excellent by our clientsSBA 7(a) Advantages
Three ways businesses use SBA 7(a)
Through banks and community lenders in the Money Man 4 Business network.
$30,000 – $5 million
Working capital & equipment
SBA is also a cash-flow loan — if you can show the funds will be used in the business, you can get working capital for operating costs, advertising, hiring and more, or to purchase new equipment.
Non-real-estate debt
Business debt refinancing
Consolidate or refinance existing business debt — loans, lines of credit and equipment leases — into one lower monthly payment. *MCA future receivable contracts are excluded.
$400,000 – $5 million
Commercial real estate
Buy a new business location or refinance owner-occupied commercial property (51%+ owner-occupied) with up to 25 years of monthly payments.
Qualify
Eligibility & required documents
Have these ready and your file moves faster.
Eligibility
- Must be a U.S.-based business
- 2 years business tax returns required
- Minimum FICO score 650
- Minimum gross annual revenue of $30K+
- Working capital & business real estate — up to $5 million
Required documents
- 1 Six months of bank statements + current month-to-date statement
- 2 Two to three years of business tax returns
- 3 Three years of personal tax returns for each owner
- 4 Current year-to-date P&L / balance sheet dated within the last 30–60 days
- 5 Schedule of Liabilities (include loans like SBA EIDL) Download
- 6 Color copy of U.S. government-issued ID (both sides of driver’s license)
- 7 Copy of your Experian credit report Experian
- 8 Money Man 4 Business application Apply
Talk to a Real PersonRated Excellent by our clients
Speak with our CFO
Mr. John GuilloryChief Financial Officer
It’s very simple to make an inquiry online or take a 3-minute eligibility survey on our website — or just call us at 888.88.CASH.1 Ext. 0 and ask for Mr. John Guillory.
Rated Excellent by our clients Get Started Here
We are here for you
Call us today — we’ll assist with any questions or application requirements. Loans are pre-approved within 2 business days with complete funding in 5 to 15 business days. If your call goes to voicemail, we’ll call you back as soon as possible.
Fast, simple access to working capital — 40+ cash & business loan programs for small & medium-size businesses since 2007.
Call Toll Free888.88.CASH.1 Ext. 0 Email Uscash@moneyman4business.com
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Local Phone: 281-763-2294 Ext. 0, Toll Free: 888.88.CASH.1 Ext. 0, Phone: 917-722-8111
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