SBA 7(a) loans

SBA 7(a) loans help small businesses by offering longer, flexible terms and lower-equity contributions.

a business owner and lender discussing a SBA 7a loan

Small business loans that work as hard as you do.

Your business will benefit from increased cash flow you can inject back into your business to not only grow, but thrive.

  • Up to $5 million in loans, for up to 25 years for real estate and 15 years for non-real estate debt
  • Longer amortization allows for lower loan payments—without future balloon payments
  • Non-collateral dependent loans available with variable and fixed-rate options
  • Closing costs can be included in loan

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Structuring a loan for your business need.

Together, we’ll put together a loan structure that works for your business, whatever the purpose.

SBA 7(a) loans are a great fit for a variety of financing needs, such as:

Business acquisitions.

Business expansion.

Franchise financing.

Machinery and equipment acquisitions and refinancing—up to 100%.

Line of credit restructuring and lease refinancing.

Real estate acquisitions or refinancing—up to 90% financing available (51% owner-occupied).

Construction loans—up to 90% financing available.

Estes Laser secures SBA loan with help from Byline Bank.

See why Andrew Peontke, founder of Estes Laser & Manufacturing, says, “I would definitely recommend Byline. They’re always there,” as Byline Bank’s support drives the growth of his metal fabrication business.

See which loan option is right for your small business.

SBA 7(a) loans

Helps small businesses grow by offering longer, more flexible terms and lower-equity contributions.

  • Up to $5 million in loans
  • 25-year terms for real estate
  • 15-year terms for non-real estate debt

Get a SBA 7a loan

Full 7(a) details

SBA 504 loan

Provides approved small businesses with long-term, fixed-rate financing to acquire fixed assets for expansion or modernization.

  • 90% financing with longer loan amortizations
  • Fixed-rate interest rates for loans between $1.5 million and $10 million

Get a SBA 504 loan

Full 504 details

SBA CAPLines

Designed to help small businesses manage cyclical cash flow needs through revolving lines of credit.

  • Up to $5 million in loans, for 12 months to 10 years
  • Up to 80% of eligible accounts receivable
  • Up to 50% of eligible inventory

Get a SBA CAPLine

Full CAPLine details

USDA loans

Designed to help rural communities succeed through business financing for growth, stability and employment opportunities.

  • Loans between $1 million and $10 million
  • 30 years for real estate and 15 years for equipment

Get a USDA loan

Full USDA details

Write your next chapter with a Byline small business loan.

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