{"product_id":"sba-7a-loans","title":"SBA 7(a) Loans","description":"\u003ch2\u003eSBA 7(a) Loans\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eFunding for startups, existing businesses, acquisitions, expansion, working capital, and business growth.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cdiv style=\"background:#071224;border:2px solid #00c389;padding:20px;border-radius:12px;margin:25px 0;color:#ffffff !important;\"\u003e\n  \u003ch3 style=\"color:#00c389 !important;margin-top:0;\"\u003eTransparent Pricing\u003c\/h3\u003e\n\n  \u003cp style=\"color:#ffffff !important;\"\u003e\u003cstrong\u003eApplying for funding is FREE.\u003c\/strong\u003e\u003c\/p\u003e\n\n  \u003cul style=\"color:#ffffff !important;\"\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\u003cstrong\u003eNo Upfront Fees\u003c\/strong\u003e\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\u003cstrong\u003eNo Application Fees\u003c\/strong\u003e\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003eConsultation Fee ONLY\u003c\/strong\u003e if you choose advisory help\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003eNo obligation to accept funding\u003c\/li\u003e\n  \u003c\/ul\u003e\n\n  \u003cp style=\"color:#ffffff !important;\"\u003e\n    Consultation fees are separate from the funding application and are only charged when you choose an AI, Human, or Private Capital consultation.\n  \u003c\/p\u003e\n\u003c\/div\u003e\n\n\u003cdiv style=\"background:#071224;border:2px solid #d4af37;padding:20px;border-radius:12px;margin:25px 0;color:#ffffff !important;\"\u003e\n  \u003ch3 style=\"color:#d4af37 !important;margin-top:0;\"\u003eOptional Consultation Services\u003c\/h3\u003e\n\n  \u003cul style=\"color:#ffffff !important;\"\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003eAI Funding Advisor™:\u003c\/strong\u003e $250\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003eSenior Funding Consultant™:\u003c\/strong\u003e $500\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003ePrivate Capital Division™ Consultation:\u003c\/strong\u003e $1,000\u003c\/li\u003e\n  \u003c\/ul\u003e\n\n  \u003cp style=\"color:#ffffff !important;\"\u003e\n    These services are optional and designed for applicants who want additional guidance before or after completing the funding assessment.\n  \u003c\/p\u003e\n\u003c\/div\u003e\n\n\u003ch3\u003eProgram Rates \u0026amp; Terms\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e\n\u003cstrong\u003eLoan Amount:\u003c\/strong\u003e Up to $5,000,000\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eEstimated Rate:\u003c\/strong\u003e Prime + 2% to 3.5%\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eTypical Rate Range:\u003c\/strong\u003e Approximately 8% to 11%\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eTerm:\u003c\/strong\u003e 10 to 25 years depending on loan purpose\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eDown Payment:\u003c\/strong\u003e Typically 10% to 20%\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003ePrepayment Penalty:\u003c\/strong\u003e May apply on larger loans\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eQualification Guidelines\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e\n\u003cstrong\u003eCredit:\u003c\/strong\u003e 650+ minimum, 680+ preferred\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eEligible Borrowers:\u003c\/strong\u003e Startups and existing businesses\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eStartup Income:\u003c\/strong\u003e Personal income and reserves may be reviewed\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eExisting Business Income:\u003c\/strong\u003e Must typically show 1.25x DSCR and positive EBITDA\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eAcquisition Loans:\u003c\/strong\u003e Seller must typically show 1.25x DSCR\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eExperience:\u003c\/strong\u003e Relevant industry or management experience is preferred\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eCollateral\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003eBusiness assets may be required\u003c\/li\u003e\n  \u003cli\u003ePersonal guarantee is typically required\u003c\/li\u003e\n  \u003cli\u003eReal estate may be considered if available\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eRequired Documents\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e2–3 years business tax returns from seller for acquisition\u003c\/li\u003e\n  \u003cli\u003e2–3 years business tax returns for existing business\u003c\/li\u003e\n  \u003cli\u003ePersonal tax returns\u003c\/li\u003e\n  \u003cli\u003ePersonal financial statement\u003c\/li\u003e\n  \u003cli\u003eBusiness plan\u003c\/li\u003e\n  \u003cli\u003eFinancial projections\u003c\/li\u003e\n  \u003cli\u003eDebt schedule\u003c\/li\u003e\n  \u003cli\u003eResume\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eBest Fit For\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003eBusiness expansion\u003c\/li\u003e\n  \u003cli\u003eBusiness acquisition\u003c\/li\u003e\n  \u003cli\u003eWorking capital\u003c\/li\u003e\n  \u003cli\u003eEquipment purchases\u003c\/li\u003e\n  \u003cli\u003eCommercial real estate\u003c\/li\u003e\n  \u003cli\u003eStartup funding with strong borrower profile\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eKey Insight\u003c\/h3\u003e\n\u003cp\u003e\nStrong management, clean financials, sufficient cash flow, and organized documentation are critical for SBA 7(a) loan approval.\n\u003c\/p\u003e\n\n\u003cdiv style=\"text-align:center;margin:40px 0;\"\u003e\n\n\u003ca href=\"https:\/\/www.consultantcoachbroker.com\/a\/AFF-EED61F\" target=\"_blank\" style=\"\n   display:inline-block;\n   background:#00c389;\n   color:#ffffff;\n   padding:18px 45px;\n   border-radius:10px;\n   text-decoration:none;\n   font-size:22px;\n   font-weight:bold;\n   letter-spacing:1px;\n   box-shadow:0 0 15px rgba(0,195,137,.35);\n   \"\u003e\n   APPLY NOW - FREE\n\u003c\/a\u003e\n\n\u003cp style=\"margin-top:20px;font-size:18px;\"\u003e\n\u003cstrong\u003eNo Upfront Fees • No Application Fees • No Obligation\u003c\/strong\u003e\n\u003c\/p\u003e\n\n\u003cp\u003e\nComplete your free funding assessment and discover which funding programs may fit your business.\n\u003c\/p\u003e\n\n\u003c\/div\u003e","brand":"The Funding Store","offers":[{"title":"Default Title","offer_id":50735989915788,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0777\/4440\/6668\/files\/SBA7aLoan.png?v=1781567100","url":"https:\/\/thefundingstores.com\/products\/sba-7a-loans","provider":"The Funding Stores","version":"1.0","type":"link"}