SBA Loans
SBA loans provide government-backed financing for business acquisition, expansion, working capital, and owner-occupied real estate. With longer terms and lower down payments than conventional business loans, SBA programs help established businesses grow.
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Why choose sba financing with Yoder Funding.
SBA 7(a) for general business purposes and acquisition
SBA 504 for owner-occupied commercial real estate and equipment
Terms up to 25 years on real estate, 10 years on equipment
Lower down payments than conventional commercial loans
Competitive fixed and variable rates
What lenders typically look for.
Requirements vary by program and lender. We match your deal to the right fit.
- ✓For-profit U.S. business operating at least 2 years (exceptions for acquisitions)
- ✓Owner equity injection typically 10–20%
- ✓Personal guarantee from owners with 20%+ ownership
- ✓Good personal credit — typically 680+
- ✓Demonstrated ability to repay from business cash flow
Common questions about sba loans.
How long does SBA loan approval take?
SBA loans typically take 30–90 days from application to funding, depending on complexity, documentation, and lender workload.
Can I use an SBA loan to buy a business?
Yes. SBA 7(a) loans are commonly used for business acquisitions, including goodwill, inventory, and working capital.
What is the difference between SBA 7(a) and 504?
7(a) is flexible for general business purposes. 504 is specifically for owner-occupied real estate and major equipment, with a bank portion and an SBA-backed debenture.