SBA 7(a) Loans for Working Capital & Growth

The 7(a) program is the SBA's most common and flexible loan type, and it's the one most FundZip applicants land on when they qualify for SBA financing. Unlike financing tied to one specific use (like equipment financing), 7(a) proceeds can go toward working capital, refinancing existing debt, purchasing equipment or inventory, or even acquiring another business.

See our broader SBA Loans overview if you're also weighing the 504 program, which is structured differently and generally used for real estate or major fixed assets.

As with other SBA financing, your business should be for-profit, based in the U.S. or Canada, and meet SBA size standards. On FundZip, we ask that your business be operating for at least 3 months and generating revenue as a starting point.

There's no hard credit check to see your options. Because 7(a) loans go through more underwriting than working capital products, be ready to share basic financial documentation as part of the process.

There's no fixed maximum for funding through our SBA 7(a) lending network. Terms are generally longer and rates more competitive than alternative financing, reflecting the SBA's partial guarantee — in exchange for a slower approval process than working capital or line-of-credit products.

Depending on the amount requested, some 7(a) loans may require collateral. We'll walk you through what applies to your specific application.