SBA 7a Business Financing
SBA 7a business loans are designed to fuel growth through acquisitions, buyouts, refinance and expansion capital. At Cornovus Capital, we specialize in SBA 7a Business Financing—a versatile program designed to help entrepreneurs, professionals, and established operators acquire businesses, expand operations, refinance debt, or fund working capital needs. Whether you’re buying a business, executing a partner buyout, or preparing for long-term growth, SBA 7a financing provides the structure and flexibility to support your goals.
With over 60 years of combined experience in SBA-backed capital, Cornovus Capital brings expert structuring, lender alignment, and closing certainty to every deal.
Program Highlights
- Low equity requirements: Meet SBA requirements with as little as 10% buyer equity—or 5% equity combined with a 5% seller note on full standby—reducing total out-of-pocket costs.
- Long-term amortization: Fully amortizing terms of up to 25 years for real estate and 10 years for non-real estate use—supporting strong cash flow and operational flexibility.
- Generous loan amounts: Access up to $5 million in SBA-backed funding for a wide range of business uses.
- Flexible use of proceeds: Finance business acquisitions, partner buyouts, expansions, working capital, equipment, and even owner-occupied real estate—under a single loan structure.
- Prepayment flexibility: SBA loans under 15 years have no penalty. Loans over 15 years only have a modest, declining penalty during the first three years.
- Faster closings than most expect: SBA 7(a) loans can close in as little as 45–60 days with experienced support. Myths about 6+ month closings typically stem from poor packaging—not the program itself.
- Not just for startups: SBA loans are used by growing businesses, practice owners, and seasoned entrepreneurs to fund strategic expansion—not just new ventures.
Who Qualifies for SBA 7(a)?
- Entrepreneurs and small business owners: Ideal for those acquiring a business, buying out a partner, or investing in long-term growth.
- Professionals seeking practice ownership: A proven option for doctors, dentists, veterinarians, optometrists, and licensed professionals.
- Established operators: Secure capital for working capital needs, debt consolidation, equipment purchases, or facility upgrades.
- Franchisees and independent operators: Fund franchise expansion or independent business growth with scalable SBA financing.
Eligible Use Cases
- Business acquisition: Purchase an established company with transferable goodwill and consistent cash flow.
- Partner or management buyout: Buy out an existing owner or equity partner and consolidate control.
- Franchise development or resale: Acquire or expand a franchise location.
- Business + real estate purchase: Finance both the business and the owner-occupied commercial property (must be at least 51% occupied by the operating entity).
- Working capital and operating expenses: Support day-to-day needs including payroll, inventory, and marketing.
- Equipment and leasehold improvements: Upgrade your physical space, purchase machinery, or invest in operational infrastructure.
- Refinancing existing business debt: Improve terms or consolidate debt into one efficient SBA-backed loan.
Examples of Ineligible Transactions
- Passive investment or non-operating entities
- Real estate-only acquisitions without an active business
- Speculative, pyramid-based, or multi-level marketing businesses
- Businesses with insufficient historical cash flow
Step-by-Step Process
- Initial consultation: Meet with a Cornovus Capital advisor to discuss your goals and assess your eligibility for SBA business financing.
- Custom financing plan: Receive a detailed financing proposal tailored to your unique circumstances, business needs, and long-term objectives.
- Comprehensive application support: Navigate the SBA application process with confidence as we handle the complexities—from gathering required documents to preparing a complete submission package.
- Streamlined underwriting and approval: Benefit from our efficient underwriting process and trusted network of SBA lenders to secure approvals quickly.
- Smooth closing and funding: Finalize your loan and transition seamlessly into growth mode, with Cornovus Capital by your side to ensure every detail is handled with precision and care.
About cornovus capital
With over 60 years of combined experience, Cornovus Capital is a trusted financial partner specializing in business financing, commercial real estate lending, and hospitality funding solutions. We design customized capital strategies that help businesses acquire, expand, and optimize operations, ensuring long-term growth and financial stability.
Our expertise spans SBA 7(a) and 504 loans, CMBS and LifeCo financing, private capital solutions, and structured debt strategies. By focusing on certainty of execution and closing assurance, we guide businesses and investors through complex financial landscapes, securing funding tailored to their long-term objectives.
Why Partner with Cornovus Capital?
At Cornovus Capital, we understand that complex transactions require sophisticated financing solutions. Whether you’re acquiring a business, buying out a partner, expanding operations, or combining real estate into a growth plan—we deliver capital strategies designed for certainty and efficiency.
What Sets Us Apart?
• Advisory expertise across business stages and sectors: We structure financing for acquisitions, expansions, partner buyouts, and practice ownership transitions.
• Innovative capital structuring: We integrate seller notes, working capital, CapEx, and goodwill financing into efficient, customized capital stacks.
• Lender alignment and competitive terms: We match each transaction with lenders who understand your industry—ensuring smooth approvals and favorable terms.
• End-to-end execution and advisory support: From deal modeling and loan packaging to lender communication and closing, we manage the entire process to ensure successful outcomes.
For business owners, professionals, and entrepreneurs seeking flexible SBA financing, Cornovus Capital delivers strategic insight, execution certainty, and long-term support.