SBA Loans for
business acquisitions buying a business partner buyouts working capital real estate equipment
Get term sheets from hundreds of SBA lenders in minutes. 100% free service for borrowers, we get paid by the banks.
$500M funded.
100+ SBA Lenders.
Rates start at 7.99%.
Full AI Assisted SBA Lender Outreach
Get the best interest rate & terms
for your business purchase
Get matched with 100+ SBA lenders and get the best rates and terms available anywhere for your business purchase.
Lowest interest rates
starting at 7.99%
Get matched with SBA lenders offering competitive rates starting at just 7.99%. Some of the best rates available anywhere.
Down payments as low as 5%
Work with a select number of lenders that allow down payments of as low as 5% by allowing seller notes on full standby.
100% free service for borrowers
This is a 100% free service for you. We get paid by the lender after the loan funds. In fact, the average borrower saves 1% a year on their interest rate working with us.
100+ lenders that specialize in your industry & location
Get quickly matched with lenders that specialize in business acquisitions for your industry and location.
Full AI Assisted SBA Lender Outreach
When lenders compete, you win.
Our tech unlocks lower rates, higher chances of approval,
and a lightning‑fast process from term sheet to closing.
Get full-service help from one of our experts
Get custom tailored advice from an expert SBA loan broker.
SBA lender outreach simplified
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Reliable choice
Do it yourself or with expert help.
We makes it easy to find the perfect SBA lender for your business acquisition. No spam. No fees. Just a super easy process that result in huge cost savings.
Deal structuring advice
Get clear, practical advice on loan structures, down payments, and seller notes, tailored specifically to your deal.
Full lender outreach
Shop your deal competitively across our network of 100+ SBA lenders, focusing exclusively on lenders that love business acquisitions and lend in your state and to your industry.
Closing support
Support doesn’t end after you find your best rate. We will work with you through the entire closing process including your business plan, projections and other closing items.
I feel confident about the future knowing that our family is in capable hands.
Stefan Ball
America's #1 SBA Loan Broker
100’s of business buyers using our SBA loan brokerage every year.
Exceptional 5 rating
SBABroker.ai is phenomenal. They guided me through the SBA process, connected me to multiple lenders, and ultimately drove to a deal at much better terms than I expected. Not only that, they remained a resource during closing (and during the SBA changes that were announced) and helped me get it done. Would absolutely work with them for any other deal I do.
Frequently asked questions
Got questions? We've got answers.
It’s an AI-powered lender matching platform that connects business buyers with SBA-preferred lenders who can fund deals depending on size, industry, and structure.
No. SBA Broker.ai is 100 % free for borrowers. Submit your deal details once and, within minutes, you’ll receive competitive term sheets from hundreds of SBA lenders. We’re compensated by the participating banks—never by you.
Ask lenders about interest rates, minimum credit score, cash flow requirements, and other qualifying factors. Get an understanding of prepayment penalties, grace periods, and if/when the lender can demand full repayment of the loan’s principal.
We guard your files with bank-level security. Only the lenders you pick can see them, and you can ask us to delete everything anytime.
Yes. Once your profile is set up, you can reuse it to source financing for expansion, equipment purchases, or refinancing; the AI continuously updates lender preferences so your match quality improves over time.
Most 7a lenders offer variable or adjustable rate loans that are based on the Prime rate. Most lenders price 7a loans between Prime + 1% and Prime + 2.75%, with 2.75% being the most common spread over Prime.
The Prime rate is set by each bank and generally adjusts up or down whenever the Federal Reserve changes their target Federal funds rate.
For goodwill-heavy acquisitions, the term is usually 10 years, fully amortizing. If SBA 504 real-estate financing is included, the real-estate portion can amortize up to 25 years.
If business assets do not fully secure the loan, lenders must take available personal real estate collateral—but lack of full collateral is not a deal-breaker if cash flow is strong.
A few lenders will offer fixed rate loans in specific cases. But it is much more common for your SBA 7a loan to have a floating rate based on a spread over the Prime rate.
Cash-flow coverage, or Debt Service Coverage Ratio (DSCR), measures a business’s ability to repay its debt using operating income. It's calculated using:
DSCR = (EBITDA - Cash Taxes) / (Principal Payments + Interest Payments)
EBITDA: Earnings before interest, taxes, depreciation, and amortization
Cash Taxes: Income taxes payable in cash
Principal + Interest: Total debt payments due in the period
A DSCR of 1.0 means just enough income to cover debt; above 1.0 indicates a financial cushion.
For SBA loans, a minimum DSCR of 1.15× is typically required, though most banks and SBA-approved lenders prefer 1.25× or higher for approval.
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Eligibility depends on many factors so it’s hard to say if you’re eligible without specific details about your situation.
There are four basic areas that any lender needs to understand in order to determine if you and your business are eligible for an SBA 7a loan:
Type of business
Business financials (historical for existing businesses or projected for new ventures)
Your credit profile
Your personal financial situation
Your experience
SBA lenders will generally not lend you 100% of the acquisition price nor will they lend 100% of the cost of your expansion project.
SBA regulations require that the borrower contribute at least 10% of the total cost. The 10% cannot be borrowed from someone else (although even here there are exceptions.)
Lenders can provide the other 90%, but sometimes they require more than 10% equity. Seller financing (aka seller carrybacks) can be used to bridge the gap between your equity and the SBA loan amount. These seller notes must meet lender requirements on maturity, interest and subordination.
There are specific cases where the amount of equity needed can be less than 10%, such as a partner buyout.
Yes. Any individual or entity that owns 20% or more after closing must personally guarantee the loan and provide verification of their cash contribution.
The SBA minimum is 640, but most lenders prefer to see credit scores closer to 690+. More so than just your score, lenders are interested in your credit history and current debt obligations. High amounts of credit card debt or recent late payments are items that lenders will factor into their lending decision. Previous bankruptcy, foreclosure, or short sales are also all items that lenders will want to be disclosed along with an explanation letter to help understand the circumstances.
Lenders add purchase price, working capital, closing costs, and any financed guaranty fee, then subtract the buyer’s equity and any seller-financed standby note. The remainder is the SBA loan request.
Key costs include an SBA guarantee fee (2–3.5 % of the guaranteed amount, usually financed), third-party reports (appraisal, quality of earnings, environmental), legal fees, and lender packaging fees.
From signed LOI to funding averages 6–10 weeks: 1–2 weeks for underwriting, 2–3 weeks for SBA authorization, and 2–4 weeks for closing tasks (legal docs, landlord consents, life-insurance binders).
Most lenders prefer a transition period of 30–90 days. If the seller will remain longer or hold minority equity, a standby note and clear role description are typically required.
There is a declining prepayment penalty for the first ten years of the loan, based on the loan amount and funding rate.
At minimum: last 3 years of business tax returns and interim financials, purchase agreement or LOI, personal financial statement, resumé, personal tax returns, and a basic business plan outlining post-close strategy.
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