SBA Loans for
Small Business Owners
Government-backed financing from $500K to $25M. UFIG has been originating SBA loans since 1998 — streamlining the process so you can close faster with less burden.
Fast Closings
Close in as little as 30 business days. UFIG streamlines the SBA process — removing the paperwork burden from you.
Most Business Types
Hotels, gas stations, restaurants, medical offices, day cares, farms, self-storage, and more — all eligible.
Competitive Rates
Government-backed programs mean lower rates than conventional loans. Fixed and variable rate structures available.
Nationwide Coverage
UFIG originates SBA loans across all 50 states. UFIG's correspondent channel connects you to one of the largest SBA lender networks in the country.
Check Your SBA Eligibility
Answer 4 quick questions to see which SBA program fits your business. Takes 60 seconds — no credit check required.
SBA Doubles Combined Loan Limit
to $10 Million.
Effective July 4, 2026, the SBA increased the cumulative borrowing limit across its 7(a) and 504 programs from $5 million to $10 million per borrower. Qualified business owners can now stack both programs for the highest combined SBA financing level in the program's history.
SBA 7(a)
The SBA's most flexible program — covering working capital, equipment, real estate, and refinance in a single loan.
- Fixed or variable rates
- Terms up to 25 years
- Working capital eligible
- As low as 10% down
SBA 504
Long-term, fixed-rate financing for major fixed assets that promote business growth and job creation.
- Below-market fixed rates
- Terms up to 25 years
- Real estate and heavy equipment
- As low as 10% down
Capital-intensive businesses in hospitality, manufacturing, construction, healthcare, food production, and energy that previously hit the $5 million ceiling can now access up to $10 million by combining both SBA programs. UFIG is originating loans under the new limit now.
SBA 7(a) vs. SBA 504
Both programs offer government-backed financing — but they're designed for different needs. Here's how they compare side by side.
| Feature | SBA 7(a) | SBA 504 |
|---|---|---|
| Maximum Loan Amount | $5,000,000* | $25,000,000* |
| Minimum Loan Amount | $500,000 | $500,000 |
| Loan Term | Up to 25 Years | Up to 25 Years |
| Interest Rate Type | Fixed or Variable | Fixed (Below Market) |
| Down Payment | As Low as 10% | As Low as 10% |
| Use of Proceeds | Real Estate, Equipment, Working Capital, Refinance | Real Estate & Major Fixed Assets Only |
| Amortization | Fully Amortizing | Fully Amortizing |
| Property Must Be Owner-Occupied | ✓ Yes | ✓ Yes (51%+) |
| Working Capital Eligible | ✓ Yes | ✗ No |
| Ideal For | Flexible All-Purpose Financing | Large CRE Acquisitions |
*New for 2026: Borrowers can now combine 7(a) + 504 loans for up to $10M total SBA-backed financing. Effective July 4, 2026. Contact a UFIG loan officer to discuss stacking options.
Best for SBA 7(a)
Business owners who need flexible financing — combining real estate, equipment, and working capital in a single loan. Ideal for smaller acquisitions, refinances, or businesses that need capital beyond real estate.
Best for SBA 504
Business owners acquiring or expanding owner-occupied commercial real estate above $5M. The 504 program offers below-market fixed rates on large transactions — making it ideal for hotels, medical facilities, and industrial properties.
SBA Loan Calculator
Estimate your monthly payment based on loan amount, term, and interest rate. For a custom quote, contact a UFIG loan officer.
Loan Parameters
Estimated Payment
Estimates only. Actual rates and payments determined by lender underwriting, creditworthiness, and SBA program guidelines. Contact a UFIG loan officer for a custom quote.
SBA Loans We've Closed
Anonymized deal snapshots from recent UFIG SBA closings across the country.
Boutique Hotel — Southwest US
Owner-operator acquiring a 42-room boutique hotel. Conventional financing declined due to property age. UFIG structured an SBA 7(a) with 10% down and a 25-year term.
Medical Office Building — Southeast US
Multi-physician group acquiring their own office building to eliminate rent. SBA 504 provided fixed-rate financing below what any conventional lender could offer.
Full-Service Restaurant — Midwest US
First-time owner acquiring an established restaurant with additional working capital folded into a single SBA 7(a) loan — something conventional lenders couldn't structure.
Qualified Business Properties
Our Simple 4-Step Process
Submit Your Deal
Complete the form or call (888) 556-4029. We review every deal within 1 business day.
Receive Your Proposal
A dedicated loan officer sends a personalized term sheet tailored to your business and SBA program.
SBA Processing
We handle the SBA paperwork — removing the documentation burden and guiding you through approval.
Close & Fund
Close in as little as 30 business days. Access your capital and grow your business.
Get a Free SBA Loan Quote
A dedicated UFIG loan officer will contact you within 1 business day. No obligation. Owner-occupied commercial properties only — minimum $500,000.
- Close in as little as 30 business days
- $500K – $25M loan amounts
- 7(a) and 504 programs available
- Fixed and variable rate options
- Since 1998 — $14B+ financed
Request a Quote
Commercial loans only — minimum $500,000.
What Sets UFIG Apart
Since 1998, UFIG has been a trusted loan provider for business owners across the country — simplifying SBA financing so you can focus on your business.
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✓
One Officer, Start to Finish
Your dedicated loan officer handles your deal from application to close — no handoffs, no confusion.
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We Handle the Paperwork
SBA loans are known for documentation complexity. UFIG streamlines the process — taking the burden off you.
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Correspondent Lending Access
UFIG's correspondent channel and 100+ lender relationships mean better rates and more program options.
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Both 7(a) and 504 Programs
We originate both major SBA programs — ensuring you get the right structure for your specific deal.
"When your bank says no, UFIG finds a way. We've been solving complex commercial financing challenges for over 26 years."
SBA Loan FAQ
Everything you need to know before submitting your deal.
What does it take to qualify?
You must operate for profit, be considered a small business as defined by SBA, be engaged in business in the US, have reasonable invested equity, and not be delinquent on any existing federal debt. A UFIG loan officer will review your qualifications at no charge.
What is the minimum loan amount?
UFIG's minimum SBA loan is $500,000. Maximum is $25M for SBA 504 programs. UFIG has correspondent relationships that can accommodate larger transactions when needed.
How fast can UFIG close an SBA loan?
Qualified deals with complete documentation can close in as little as 30 business days. UFIG streamlines the SBA paperwork process — significantly reducing the typical burden on borrowers.
What is the difference between 7(a) and 504?
SBA 7(a) is the most flexible — covering working capital, equipment, and real estate up to $5M. SBA 504 focuses on major fixed assets like land and buildings, with longer terms and fixed rates up to $25M. As of July 4, 2026, borrowers can combine both programs for up to $10M in total SBA-backed financing — a significant increase from the previous $5M cumulative cap.
Do I need to be a U.S. Citizen?
Not in all cases. Permanent Green Card holders and qualifying Foreign Nationals investing in the US may qualify. Contact UFIG to discuss your specific situation — we review each case individually.
Can I have more than one SBA loan?
Yes. As of July 4, 2026, the SBA has doubled the cumulative borrowing limit to $10 million across 7(a) and 504 programs combined. Borrowers who secure a 7(a) loan first can access up to $5M through 7(a) and up to $5M through 504 — for a total of $10M in SBA-backed financing. UFIG will assess your current SBA exposure and structure the most advantageous combination for your deal.
Explore UFIG Loan Programs
Related Financing Solutions
Ready to Close Your Deal?
Submit your deal today and a UFIG loan officer will respond within 1 business day. No obligation. No upfront fees.