What businesses qualify for SBA 7(a) financing?

Qualified borrowers include U.S. small businesses with demonstrated cash flow, operational history, and owners meeting SBA guarantor requirements.

What can SBA 7(a) funds be used for?

Eligible uses include business acquisitions, partner buyouts, expansions, equipment purchases, franchise development, working capital, and debt refinance when eligible.

SBA 7(a) Business Financing Request

Intake designed to confirm eligibility, structure the financing request, and position transactions for lender execution.

This submission is intended for operating businesses and owner-users seeking SBA 7(a) financing for acquisition, expansion, partner buyouts, refinancing, or working capital. Submissions are reviewed through a disciplined underwriting lens to evaluate cash flow, use of proceeds, collateral, and borrower qualifications prior to lender outreach.

For commercial real estate purchases requiring maximum leverage, consider our SBA 7(a) 100% CRE request page for owner-occupied transactions.

SECTION 1: Borrower & Entity Information

BORROWER / ENTITY NAME

CONTACT NAME & TITLE

EMAIL— security enhanced ("AT" symbol masked)

PHONE NUMBER

ENTITY TYPE

STATE OF FORMATION

SPONSOR EXPERIENCE SUMMARY

SECTION 2: Business or Property Details

PROPERTY OR BUSINESS ADDRESS (STREET, CITY, STATE)

TYPE OF ASSET / BUSINESS

YEAR ESTABLISHED / BUILT

ESTIMATED PROJECT COST

FACILITY SIZE (SQFT)

CURRENT OCCUPANCY

PROJECT SUMMARY

SECTION 3: Loan Request Summary

PURPOSE OF LOAN

REQUESTED LOAN AMOUNT

PURCHASE PRICE or MARKET VALUE

EXISTING DEBT (IF REFINANCE)

ESTIMATED STABILIZED VALUE

REQUESTED LOAN TERM

TARGETED CLOSING TIMELINE

SECTION 4: Deal Metrics & Exit Strategy

TRAILING - 12 NOI ($)

ANNUAL GROSS REVENUE

YEAR TO DATE GROSS REVENUE

EXIT STRATEGY

PREFERRED LEVERAGE (LTV)

PRIMARY FINANCING OBJECTIVES

SECTION 4: Submission Acknowledgment

CONSENT AUTHORIZATION

I authorize Cornovus Capital to review the information provided and contact me regarding available financing options.”

REFERRAL SOURCE

SBA 7(a) business financing Flexible business financing options Conventional business financing Cornovus Capital advisory team Transaction highlights

Typical SBA 7(a) Loan Terms

Loan Size	Up to $5 million; companion structures available for larger executions
Amortization	Up to 25 years for real estate; 10 years for business components
Rate	Market-driven; typically Prime + 1.5% to 2.75%
Collateral	Business assets, personal guarantees; real estate when applicable
Down Payment	As low as 10% depending on use (business-only, goodwill, expansions, etc.)
Closing Timeline	Typically 45–60 days from executed term sheet and SBA authorization
Guarantee Fee	Standard SBA fee applies; financed into loan structure
Eligible Borrowers	Entrepreneurs, expanding businesses, and qualified operators meeting SBA criteria

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