SBA 7(a) Business Financing Request
Institutional Underwriting • Certainty of Execution
This intake is designed to confirm eligibility, structure the financing request, and position the transaction for capital placement. SBA 7(a) financing covers business acquisitions, partner buyouts, franchise development, equipment, working capital, debt refinancing, and owner-occupied commercial real estate with a down payment requirement.
Submissions are reviewed through a disciplined underwriting lens to evaluate global cash flow, addback discipline, use of proceeds, collateral, and borrower qualifications. A principal reviews every submission within one business day.
For owner-occupied commercial real estate purchases with no equity injection requirement, review the SBA 7(a) 100% CRE program. Review SBA 7(a) 100% CRE →
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 plus 1.5% to 2.75% |
| Down Payment | As low as 10% depending on use of proceeds |
| Collateral | Business assets, personal guarantees, real estate when applicable |
| Closing Timeline | Typically 45 to 60 days from executed term sheet and SBA authorization |
| Guarantee Fee | Standard SBA fee applies; may be financed into the loan structure |
| Eligible Borrowers | Entrepreneurs, expanding businesses, and qualified operators meeting SBA criteria |
About Cornovus Capital
With more than 70 years of combined capital markets leadership experience, Cornovus Capital is a national institutional commercial real estate and business capital advisory firm. Led by principals and senior advisors across institutional credit, capital placement, asset management, and hospitality ownership, we perform institutional-grade underwriting on every engaged transaction and place credits with pre-qualified capital partners matched to the transaction’s credit profile, structure, asset class, and geography.
Our expertise spans seven debt silos: SBA 7(a), SBA 7(a) 100% CRE, SBA 504, Bridge and Structured Debt, CMBS and Conduit, Conventional Multifamily (Agency and LifeCo), and Student Housing, with a Hospitality Owner’s Representation overlay led by principals with direct owner-operator experience across the full asset lifecycle.
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Connect with Cornovus Capital
For active acquisitions, refinances, recapitalizations, or expansion opportunities, begin with the appropriate financing request. For early-stage discussions, use the contact path to confirm program fit and execution strategy.
Submit a financing request → | Contact us →
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