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 →
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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
Cornovus Capital structures and executes SBA loans, bridge financing, CMBS, SBA 504, conventional multifamily, and LifeCo transactions for sponsors, developers, owner-operators, and operating businesses nationwide. Every transaction is underwritten to institutional credit committee standards, with structural issues identified early, sizing built to lender reality, and the full credit package prepared before a capital partner is ever engaged. Each transaction is placed through a proprietary capital markets platform with pre-qualified partners across bridge, SBA, CMBS, private capital, agency, life company, hedge, and pension executions, matched to the transaction's credit profile, structure, asset class, and geography.
Our expertise spans seven debt silos: SBA 504, SBA 7(a), SBA 7(a) 100% CRE, 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. Our quantitative underwriting platform applies institutional credit standards across every transaction, delivering depth, consistency, and turnaround speed.
For insight into the broader interest rate and monetary policy environment influencing commercial real estate financing, visit the Federal Reserve's Monetary Policy resources for insights into national commercial real estate performance.
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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