SBA 7(a) Business Financing Solutions
Business Acquisitions • Partner Buyouts • Working Capital • Expansion
Cornovus Capital structures SBA 7(a) business financing nationwide for acquisitions, partner buyouts, refinancing, working capital, and owner-occupied commercial real estate. Each transaction is underwritten to lender standards from day one, incorporating disciplined credit analysis, normalized cash flow, and capital structuring aligned with SBA policy and institutional underwriting expectations. Our process anticipates lender review, addresses structural risk early, and positions SBA 7(a) loans for efficient approval and closing.
Through direct access to national SBA lenders and an execution-driven approach, Cornovus Capital delivers competitive SBA 7(a) loans structured around borrower performance, industry dynamics, and lender credit criteria. We focus on lender fit, debt service coverage alignment, guarantor strength, and collateral positioning to ensure transactions are not only approved, but executable within real-world underwriting conditions.
From initial structuring through final credit approval, our platform is built to optimize SBA 7(a) business financing outcomes by aligning borrower objectives with lender expectations. This includes detailed packaging, proactive issue identification, and continuous positioning throughout the underwriting process—ensuring SBA 7(a) loans are structured for certainty of execution, not just theoretical approval.
From lower middle-market acquisitions to complex ownership transitions and growth capital strategies, our approach to SBA 7(a) business financing is grounded in real underwriting outcomes—not theoretical structures. We evaluate each transaction against lender credit standards, including cash flow durability, debt service coverage, guarantor strength, and collateral support—ensuring SBA 7(a) loans are structured to meet approval thresholds and execute within today’s credit environment.
Typical SBA 7(a) Loan Terms
| Loan Size | Up to $5 million per borrower; companion structures available for larger transactions |
| Amortization | Up to 25 years for real estate; 10 years for business financing |
| Rate | Market-based, typically Prime + 1.5% to 2.75% |
| Collateral | Business assets, personal guarantees, and real estate when applicable |
| Down Payment | As low as 10% equity or 5% with seller participation (subject to lender approval) |
| Closing Timeline | Typically 45–60 days from executed term sheet and SBA authorization |
| Guarantee Fee | Standard SBA fees apply; financed into loan structure |
| Eligible Borrowers | Entrepreneurs, small business owners, and qualified franchise operators meeting SBA eligibility criteria |
Who Qualifies for SBA 7(a) Business Financing?
- Entrepreneurs acquiring or expanding existing businesses.
- Professionals pursuing practice ownership or partnership buyouts.
- Franchise operators expanding into new locations or acquiring territories.
- Established owners refinancing high-cost debt or recapitalizing operations.
- Management teams executing structured business acquisitions or partner transitions.
Eligible SBA 7(a) Use Cases
- Business acquisition: Purchase of established companies with transferable goodwill and cash flow.
- Partner buyout: Consolidate ownership and streamline equity transitions.
- Franchise development: Finance new franchise builds or multi-unit expansions.
- Business + real estate purchase: Combine operating company and property acquisition under one structure.
- Working capital & expansion: Fund growth, staffing, or operational initiatives.
- Equipment & improvements: Upgrade facilities, production, or technology.
- Debt refinance: Consolidate high-interest or short-term debt into long-term SBA structure.
Ineligible SBA 7(a) Transactions
- Passive investments or non-operating entities.
- Speculative or development-only projects without active business use.
- Businesses lacking sufficient cash flow or industry experience.
- Pyramid or multi-level marketing operations.
- Non-U.S. ventures or businesses not meeting SBA eligibility documentation.
About Cornovus Capital
With over 70 years of combined experience, Cornovus Capital is a trusted financial partner specializing in business financing, commercial real estate lending, and hospitality funding. We design structured capital strategies that help businesses acquire, expand, and optimize operations, ensuring long-term growth and stability.
Our expertise spans SBA 7(a) and 504 programs, CMBS and LifeCo financing, private capital solutions, and structured debt strategies. Focusing on execution precision and lender coordination, we guide businesses through complex financial structures with certainty and efficiency.
Connect with Cornovus Capital
Exploring SBA 7(a) business financing? From underwriting and credit modeling to lender engagement and SBA packaging, Cornovus Capital delivers structured solutions, execution precision, and efficiency from application to closing.
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