01
Real estate acquisition
Buying owner-occupied commercial real estate for your business. SBA 504 offers 25-year terms and 10% down — terms unavailable anywhere else.
SBA Loans
Government-backed.
Founder-friendly.
Lower rates. Longer terms. Real work.
SBA 7(a) and 504 loans with the most favorable terms available to small business. From $50K to $5M, with a process measured in weeks, not days.
$50,000 — $5,000,000
Or call (914) 677-2272 — Mon – Fri, 9–7 EST
SBA 7(a) · fundedThis month
Approved amount
$1,200,000
Program
SBA 7(a)
Term
120 months
Industry
Medical · NJ
Rate
Prime + 2.75%
Avg. SBA deal
$840,000
Explainer
How an SBA loan works.
An SBA loan is a conventional commercial loan partially guaranteed by the Small Business Administration. The SBA doesn't lend directly — it guarantees a portion of the lender's exposure, which reduces risk and unlocks pricing and terms that wouldn't otherwise be available to small business.
The trade is process. SBA underwriting is rigorous. Documentation requirements are extensive — three years of tax returns, financial statements, a business plan, ownership and management records. Most files take 4 to 8 weeks from application to funded. For operators who can wait, the math is hard to beat.
Two main programs cover almost every commercial use case. The 7(a) program is general-purpose, up to $5M, used for working capital, expansion, and acquisitions. The 504 program funds owner-occupied real estate and major equipment, with 25-year terms and as little as 10% down.
SBA 7(a)
General purpose, up to $5M. The most flexible SBA program — working capital, acquisitions, partner buyouts, expansion.
SBA 504
Real estate or major equipment, longer terms (up to 25 years), lower down payment (10–15%). Two-loan structure with a CDC partner.
SBA guarantee
The portion the SBA backs — typically 75–85%. Reduces lender risk, unlocking pricing unavailable on conventional loans.
When it fits
When an SBA loan fits.
SBA fits operators with the discipline for real underwriting and the patience to trade weeks for the lowest cost of capital available.
02
Business acquisition
Buying an existing business, including the buyout of partners or sellers. SBA 7(a) is the standard financing path for acquisitions under $5M.
03
Long-term growth capital
Working capital, expansion, or major equipment with the longest available repayment term. Lowest cost of capital in the SMB market — if you qualify and can wait for it.
Qualifying
What you'll need.
SBA underwriting is real. Plan for 4 to 8 weeks to close, and a documentation package that's an order of magnitude larger than a conventional loan.
Time in business
2+ years
Annual revenue
$500K+ typical
Credit profile
680+ FICO preferred
Documents
3 years tax returns, financials, business plan, ownership records
Newer operators or thinner files can sometimes qualify with strong collateral or guarantor support. The minimums above are typical, not absolute.
How it works at Green Advance
Four steps to closed.
SBA timelines are measured in weeks. The trade is the best rate and term structure available in commercial finance.
0110 min
Apply
Business basics, ownership info, and a request for the full documentation list.
0224–48 hours
Review
Underwriting reviews the file in-house and matches it to the lender path that fits.
03Same day
Offer
Terms presented in writing — rate, payment, schedule, all locked before you sign.
044–8 weeks
Funded
Sign electronically. Capital wires to your operating account.
Talk it through
Green Advance assistant
Walk through sba loans with us.
Two minutes of questions, then we'll route you to a funder with the context already in hand.
FAQ
Questions we get, answered straight.
Apply for SBA capital
Apply for an SBA loan.
Worth the wait.
Ten-minute initial application. A specialist walks you through the documentation package. Capital funded in 4–8 weeks.