SBA 7(a) vs Conventional Loan
Low down and long amortization, or fewer strings and faster.
For owner-occupied commercial real estate or a business acquisition, the trade-off is leverage versus speed. An SBA 7(a) loan is government-backed, so it allows a low down payment and a long amortization, but it asks for more paperwork and takes longer. A conventional commercial loan is faster and simpler, but usually wants a larger down payment and comes with a shorter term or a balloon. USAM arranges and places SBA financing through partner lenders.
If preserving cash with a low down payment and a long amortization matters most, an SBA 7(a) loan is hard to beat for owner-occupied property. If you have the down payment and want a faster, simpler close, a conventional commercial loan may fit better.
Rates and terms shown are typical figures, subject to underwriting and market conditions. Not a commitment to lend.
Common questions
Still not sure which fits?
Tell us about your deal and we'll point you to the right structure. No obligation.