[et_pb_section fb_built=”1″ custom_padding_last_edited=”off|desktop” admin_label=”Header” _builder_version=”4.27.4″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”rgba(0,131,200,0.53) 50%|rgba(0,0,0,0) 50%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(252,197,111,0.88)” background_color_gradient_start_position=”50%” background_color_gradient_end=”rgba(0,0,0,0)” background_color_gradient_end_position=”0%” background_enable_image=”off” background_video_mp4=”https:\/\/aspenbusinessfunding.com\/wp-content\/uploads\/2025\/03\/SBA-7a-Loan-Product.mp4″ custom_padding=”8vw||12vw||false|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”||||false|false” locked=”off” global_colors_info=”{}”][et_pb_row make_equal=”on” _builder_version=”4.27.4″ max_width=”1200px” custom_padding=”4%|0%|0px|4%|false|false” border_color_all=”#16252D” border_width_bottom=”8px” border_color_bottom=”#0049bf” border_width_left=”8px” border_color_left=”#0049bf” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”||4%||false|false” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ text_font=”|600|||||||” text_font_size=”20px” text_line_height=”1.5em” header_font=”Heebo|900||on|||||” header_font_size=”55px” header_letter_spacing=”0.05em” header_line_height=”1.2em” header_2_font=”Heebo|700||on|||||” header_2_font_size=”24px” header_2_letter_spacing=”0.4em” header_2_line_height=”1.3em” background_layout=”dark” text_font_size_tablet=”18px” text_font_size_phone=”14px” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”60px” header_font_size_phone=”30px” header_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”14px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n
SBA 7(a) loans make it easier for small businesses to grow with longer payment terms and lower upfront costs.<\/p>\n
FUNDING SUPPORT UP TO $5 MILLION | ONE APPLICATION. MULTIPLE FUNDING SOLUTIONS<\/strong><\/p>\n <\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/aspenbusinessfunding.mycasca.com\/form\/sba-loan?utm_source=Google&utm_medium=PPC&utm_campaign=traffic&utm_id=SBA” button_text=”APPLY NOW” button_alignment=”right” _builder_version=”4.27.4″ custom_button=”on” button_text_size=”23px” button_text_color=”#ffffff” button_bg_color=”#0049bf” button_bg_use_color_gradient=”on” button_bg_color_gradient_type=”circular” button_bg_color_gradient_stops=”#2b87da 20%|#0049bf 100%” button_border_width=”0px” button_border_color=”#0049BF” button_border_radius=”0px” button_letter_spacing=”5px” button_font=”|700||on|||||” button_icon=”9||divi||400″ button_icon_color=”#FFFFFF” button_on_hover=”off” positioning=”absolute” position_origin_a=”bottom_right” vertical_offset=”-8px” position_origin_a_tablet=”” position_origin_a_phone=”” position_origin_a_last_edited=”on|tablet” position_origin_f_tablet=”” position_origin_f_phone=”” position_origin_f_last_edited=”on|tablet” position_origin_r_tablet=”bottom_right” position_origin_r_phone=”” position_origin_r_last_edited=”on|tablet” custom_padding=”20px|30px|20px|30px|true|true” hover_enabled=”0″ positioning_tablet=”relative” positioning_phone=”” positioning_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Features” _builder_version=”4.16″ locked=”off” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.27.4″ custom_margin=”-10vw||||false|false” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ background_color=”#f4f4f5″ custom_padding=”30px|30px|30px|30px|true|true” custom_padding_tablet=”30px|30px|30px|30px|true|true” custom_padding_phone=”20px|20px|20px|20px|true|true” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][et_pb_blurb title=”Small business loans built with flexibility in mind.” image_icon_width=”45px” icon_alignment=”left” content_max_width=”100%” _builder_version=”4.27.4″ header_level=”h3″ header_font=”Heebo|900|||||||” header_font_size=”30px” header_line_height=”2em” body_line_height=”2em” locked=”off” global_colors_info=”{}”]<\/p>\n Access up to $5 million to help your business grow and thrive\u2014whether it’s real estate financing with terms up to 25 years, or loans for non-real estate debt lasting up to 15 years.<\/p>\n Enjoy lower monthly payments thanks to longer repayment periods, with no future balloon payments to worry about. Choose from variable or fixed-rate options, and rest easy knowing non-collateral dependent loans are available. Plus, closing costs can be conveniently rolled into your loan.<\/p>\n Invest in your business with a loan that adapts to your needs!<\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Industries” _builder_version=”4.16″ custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.27.4″ max_width=”1200px” custom_padding=”4%|4%|4%|4%|true|true” border_width_top=”8px” border_color_top=”#0083c8″ border_width_right=”8px” border_color_right=”#0083C8″ border_width_left=”8px” border_color_left=”#0083C8″ border_width_top_tablet=”8px” border_width_top_phone=”8px” border_width_top_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ text_font_size=”16px” text_line_height=”2em” header_2_font=”Heebo|900||on|||||” header_2_text_color=”#16252D” header_2_font_size=”40px” header_2_letter_spacing=”1px” header_2_line_height=”1.3em” max_width=”800px” custom_padding=”||||false|false” custom_padding_tablet=”|||0px|false|false” custom_padding_last_edited=”off|desktop” text_font_size_tablet=”14px” text_font_size_phone=”” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”30px” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n We\u2019re here to help you build the perfect loan structure to meet your business goals\u2014no matter the purpose. SBA 7(a) loans are a versatile solution, ideal for financing needs like:<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https:\/\/aspenbusinessfunding.com\/wp-content\/uploads\/2025\/03\/Barber-Shop-Small-Business.jpg” title_text=”Young professional hairdresser cutting hair of client in salon” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_button button_url=”https:\/\/aspenbusinessfunding.mycasca.com\/form\/sba-loan?utm_source=Google&utm_medium=PPC&utm_campaign=traffic&utm_id=SBA” button_text=”APPLY NOW” button_alignment=”left” _builder_version=”4.27.4″ custom_button=”on” button_text_size=”20px” button_text_color=”#ffffff” button_bg_color=”#0049bf” button_bg_use_color_gradient=”on” button_bg_color_gradient_type=”circular” button_bg_color_gradient_stops=”#2b87da 20%|#0049bf 100%” button_border_width=”0px” button_border_color=”#0049BF” button_border_radius=”0px” button_letter_spacing=”5px” button_font=”|700||on|||||” button_icon=”9||divi||400″ button_icon_color=”#FFFFFF” button_on_hover=”off” custom_padding=”20px|30px|20px|30px|true|true” hover_enabled=”0″ locked=”off” global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Testimonials” _builder_version=”4.27.4″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”rgba(51,147,198,0.76) 60%|rgba(27,18,61,0.96) 60%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(27,18,61,0.88)” background_color_gradient_start_position=”60%” background_color_gradient_end=”rgba(27,18,61,0.96)” background_color_gradient_end_position=”0%” background_image=”https:\/\/aspenbusinessfunding.com\/wp-content\/uploads\/2025\/02\/Small-Buisness-Main-Street.jpg” custom_padding=”3vw||8vw||false|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ max_width=”1200px” custom_padding=”0px||0px||false|false” border_color_all=”#ffffff” border_width_right=”8px” border_width_bottom=”8px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ header_2_font=”Heebo|900||on|||||” header_2_font_size=”60px” header_2_letter_spacing=”2px” header_2_line_height=”1.3em” header_3_font=”Heebo|700||on|||||” header_3_font_size=”18px” header_3_letter_spacing=”4px” header_3_line_height=”1.3em” background_layout=”dark” custom_margin=”||0px||false|false” header_2_font_size_tablet=”40px” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|desktop” header_3_font_size_tablet=”16px” header_3_font_size_phone=”14px” header_3_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n [\/et_pb_text][et_pb_accordion toggle_icon=”P||divi||400″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion_item title=”Am I eligible for an SBA 7a loan?” open=”on” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Eligibility for an SBA 7a loan depends on several factors, and it\u2019s difficult to determine without knowing the specifics of your situation. This is one of the most common questions we receive.<\/span><\/p>\n To assess your eligibility, we (and any debt advisor) consider four key areas:<\/span><\/p>\n If your case has unique complexities, it may be simpler to give us a call directly\u2014we\u2019re happy to help! <\/span><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”How much equity do I need to contribute in an SBA 7a loan structure?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n SBA lenders typically won’t cover 100% of the acquisition price or the total cost of your expansion project. Borrowers are required by SBA regulations to contribute at least 10% of the total cost themselves, and this percentage cannot be borrowed from another party (though there are exceptions). <\/span><\/p>\n Lenders may provide up to 90%, but it’s not uncommon for them to request more than 10% equity from the borrower. To bridge the gap, seller financing (also known as seller carrybacks) can be utilized. However, these seller notes must meet specific lender requirements for maturity, interest rates, and subordination.<\/span><\/p>\n There are certain exceptions, such as in partner buyouts, where the equity requirement may be less than 10%.<\/span><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”What are the current rates for SBA 7a loans?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n Most 7(a) lenders provide variable-rate loans tied to the Prime rate. These loans are typically priced between Prime + 1% and Prime + 2.75%, with the most common rate being Prime + 2.75%. <\/span><\/p>\n The Prime rate is determined by individual banks and typically fluctuates in response to changes in the Federal Reserve\u2019s target Federal funds rate.<\/span><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”What are the loan maturities for SBA 7a loans?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n The maximum maturity of a loan depends on the purpose of the transaction:<\/span><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”How long does it take an SBA 7a loan to close?” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n Most SBA loans close just as quickly as conventional bank loans\u2014at least when you work with Preferred lenders like those at Aspen Business Funding.<\/span><\/p>\n Typically, you can expect the process to take about 30-60 days after receiving a proposal from the lender. The exact timeline depends on the complexity of the deal and how quickly you provide the necessary documents.<\/span><\/p>\n For business acquisition or owner-occupied real estate loans, additional steps like third-party appraisals of the business or property, or updating insurance documents, may extend the timeline. These factors often bring closing closer to the 60-day mark, or sometimes longer for more complex cases.<\/span><\/p>\n While SBA loans do require more documentation, straightforward deals can still close within 30-60 days without delays.<\/span><\/p>\n [\/et_pb_accordion_item][\/et_pb_accordion][et_pb_button button_url=”https:\/\/aspenbusinessfunding.mycasca.com\/form\/sba-loan?utm_source=Google&utm_medium=PPC&utm_campaign=traffic&utm_id=SBA” button_text=”Get Started Today” button_alignment=”center” _builder_version=”4.27.4″ custom_button=”on” button_text_size=”20px” button_text_color=”#ffffff” button_bg_color=”#0049bf” button_bg_use_color_gradient=”on” button_bg_color_gradient_type=”circular” button_bg_color_gradient_stops=”#2b87da 20%|#0049bf 100%” button_border_width=”0px” button_border_color=”#0049BF” button_border_radius=”0px” button_letter_spacing=”5px” button_font=”|700||on|||||” button_icon=”9||divi||400″ button_icon_color=”#FFFFFF” button_on_hover=”off” custom_padding=”20px|30px|20px|30px|true|true” hover_enabled=”0″ locked=”off” global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”4px||2px|||” box_shadow_style=”preset1″ global_module=”101″ global_colors_info=”{}”][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”24px||||false|false” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/aspenbusinessfunding.com\/wp-content\/uploads\/2025\/03\/as-seen-on-ABC.3.png” title_text=”as-seen-on-ABC.3″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/aspenbusinessfunding.com\/wp-content\/uploads\/2025\/03\/as-seen-on-CBS.3.png” title_text=”as-seen-on-CBS.3″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/aspenbusinessfunding.com\/wp-content\/uploads\/2025\/03\/as-seen-on-FOX.3.png” title_text=”as-seen-on-FOX.3″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/aspenbusinessfunding.com\/wp-content\/uploads\/2025\/03\/as-seen-on-NBC.3.png” title_text=”as-seen-on-NBC.3″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Contact” _builder_version=”4.27.4″ background_color=”#2ba2dd” custom_padding=”0px||0px||true|false” border_color_all=”#1b123d” border_width_bottom=”8px” global_module=”59″ saved_tabs=”all” locked=”off” global_colors_info=”{}”][et_pb_row make_equal=”on” _builder_version=”4.27.4″ custom_padding=”0px||0px||true|false” box_shadow_style=”preset4″ box_shadow_horizontal=”-30vw” box_shadow_vertical=”0px” box_shadow_color=”#0083c8″ box_shadow_horizontal_tablet=”0vw” box_shadow_horizontal_phone=”” box_shadow_horizontal_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ background_color=”#0083c8″ custom_padding=”8%|20px|8%||true|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”||||false|false” 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button_url=”https:\/\/aspenbusinessfunding.mycasca.com\/form\/sba-loan?utm_source=Google&utm_medium=PPC&utm_campaign=traffic&utm_id=SBA” button_text=”APPLY NOW” button_alignment=”left” _builder_version=”4.27.4″ custom_button=”on” button_text_size=”20px” button_text_color=”#1b123d” button_bg_color=”#ffffff” button_border_width=”0px” button_border_radius=”0px” button_letter_spacing=”5px” button_font=”|700||on|||||” custom_margin=”||||false|false” custom_margin_tablet=”|||0px|false|false” custom_margin_last_edited=”off|desktop” custom_padding=”20px|30px|20px|30px|true|true” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”off|desktop” admin_label=”Footer” _builder_version=”4.27.4″ background_color=”#0042BF” background_color_gradient_direction=”90deg” custom_padding=”6vw||6vw||true|false” custom_padding_tablet=”60px||60px||true|false” custom_padding_phone=”40px||40px||true|false” background_last_edited=”off|phone” border_color_all=”rgba(0,0,0,0)” border_width_right=”5vw” border_color_right=”#0042BF” box_shadow_style=”preset7″ box_shadow_horizontal=”-4vw” box_shadow_vertical=”0px” box_shadow_color=”#2ba2dd” box_shadow_horizontal_last_edited=”off|phone” global_module=”60″ saved_tabs=”all” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.27.4″ global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_text_color=”rgba(255,255,255,0.7)” text_font_size=”16px” text_line_height=”2em” header_6_font=”Heebo|700||on|||||” header_6_text_color=”#ffffff” header_6_letter_spacing=”3px” header_6_line_height=”2em” background_layout=”dark” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n 3500 Lenox Rd North [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_text_color=”rgba(255,255,255,0.7)” text_font_size=”16px” text_line_height=”2em” header_6_font=”Heebo|700||on|||||” header_6_text_color=”#ffffff” header_6_letter_spacing=”3px” header_6_line_height=”2em” background_layout=”dark” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n (678) 918-1483<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ text_text_color=”rgba(255,255,255,0.7)” text_font_size=”12px” text_line_height=”2em” link_text_color=”rgba(255,255,255,0.7)” link_font_size=”16px” link_line_height=”2em” header_6_font=”Heebo|700||on|||||” header_6_text_color=”#ffffff” header_6_letter_spacing=”3px” header_6_line_height=”2em” background_layout=”dark” link_font_size_tablet=”” link_font_size_phone=”14px” link_font_size_last_edited=”on|phone” link_text_shadow_style=”preset5″ locked=”off” global_colors_info=”{}”]<\/p>\nTailored Loan Solutions for Your Business<\/h2>\n
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Frequently Asked Questions<\/h2>\n
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As featured in:<\/strong><\/h2>\n
Need a Business Loan?<\/h2>\n
Pre-qualify for a loan in minutes and focus on growing your business.<\/h3>\n
Address<\/h6>\n
Atlanta, GA 30326<\/p>\nPhone<\/h6>\n
Email<\/h6>\n