← Learning Center
Capital
SBA Financing
How SBA loans support business ownership transitions — eligibility, structure, and what to expect through the process.
For Future OwnersFor Business OwnersFor Professionals
SBA loans — primarily 7(a) and 504 — are the backbone of small business acquisition financing in the United States. They let qualified buyers acquire a business with as little as 10% down, with the SBA guaranteeing a portion of the loan to the lender.
Key points
- 10% minimum equity injection (cash or rolled seller note)
- Up to $5M loan size, 10-year amortization for goodwill
- Personal guarantee from anyone owning 20%+ required
- Business and buyer must meet SBA eligibility criteria
- Often combined with a small seller note to bridge equity
Read the full SBA Financing guide
A complete walkthrough with structure, examples, FAQs, and what to watch for.
Open the full guideReady to explore opportunities?
Browse current opportunities or find the right pathway with the Path Finder.