Interested in an SBA Loan?
$1,000 to $25 Million
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Rates Start at 5%
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Monthly Payments
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Short and Long-Term Loans
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Flexible Underwriting
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Most Businesses Eligible
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Sole Proprietors are OK
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Unrestricted Working Capital
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Start-Up Financing Available
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No or Low Collateral
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High LTV Financing
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Nationwide + Rural Locations
What an SBA loan is
The U.S. Small Business Administration doesn’t lend directly — it guarantees a portion of loans made by partner lenders, which lowers lender risk and unlocks longer terms, smaller down payments, and more flexible underwriting than conventional business debt. For owner-operators and small-business real estate, that guarantee is what makes a 10–25 year payback and high loan-to-value possible.
SBA 7(a) vs. SBA 504
The two programs solve different problems:
- SBA 7(a) — the flexible workhorse. Up to $5 million for working capital, business acquisition, partner buyouts, equipment, and owner-occupied real estate. Terms reach 25 years on real estate and 10 years for most other uses.
- SBA 504 — purpose-built for fixed assets: owner-occupied commercial real estate and large equipment. It pairs a bank loan with a CDC debenture, often at a long-term fixed rate and as little as 10% down.
A practical rule: choose 504 when you’re buying or building a property your business will occupy and want a fixed rate; choose 7(a) when you need flexibility across working capital, acquisition, and real estate in one facility.
Eligibility basics
- A for-profit U.S. business operating within SBA size standards
- Owner-occupancy of 51%+ for existing commercial real estate (60% for new construction)
- Reasonable owner equity, demonstrated repayment ability, and no recent federal debt default
- Sole proprietors, partnerships, LLCs, and corporations all qualify
Where SBA fits — and where it doesn’t
SBA is ideal for owner-occupied commercial real estate and operating-business needs. It is not designed for non-owner-occupied investment property. If your project is a rental, flip, or pure investment hold, an asset-based hard money or DSCR program is the right tool. Tell us about the deal and we’ll point you to the program that actually fits.
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Closing times may be delayed due to appraiser property access . All loans are subject to full underwriting for loan approvals. Jaken Finance Group only finances non-owner occupied investment properties.
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Jaken Finance Group, 2300 Barrington Road, Suite 400, Hoffman Estates, IL 60196