We offer an array of asset based lending (ABL) and financing solutions.
Loan Size: Up to $5M with 10% down
SBA 7(a) loans provide qualified businesses with affordable, long-term financing for acquisitions, working capital, commercial real estate, equipment purchases, debt refinancing, partner buyouts, and expansion. Backed in part by the U.S. Small Business Administration, the program gives businesses access to longer repayment terms and competitive financing that may not be available through conventional commercial loans. Capital Desk works with a nationwide network of SBA lenders to structure and source the financing solution that best aligns with your business objectives.
Learn more about SBA 7(a) loans below.
SBA 7(a) loans can be used for many business needs. Common uses include buying a business, purchasing commercial real estate, refinancing debt, buying equipment, adding working capital, funding a partner buyout, or expanding your business. If you’re looking for flexible, long-term financing, an SBA 7(a) loan is often a great option.
Often used in conjunction with SBA 504 loans to purchase owner occupied commercial property.
SBA 7(a) loans offer longer repayment terms and lower monthly payments than many traditional business loans. They can also be used for a wide range of business purposes, making them one of the most flexible financing programs available. This helps businesses protect cash flow while investing in future growth.
Getting approved is about more than filling out an application. Capital Desk helps structure your financing, prepare your request, and match you with the lenders most likely to say yes. With access to banks and specialty lenders across the country, we improve your chances of approval, increase certainty of closing, and help you find the financing solution that best fits your business.
For businesses that have outgrown traditional SBA loans but aren’t yet ready for large private credit transactions, SBIC financing can bridge the gap with flexible growth capital.
We serve clients nationwide, and have delivered capital to 48 States, Puerto Rico, and Canada.
Since September, 2023, we’ve deployed $150M+ to clients across an array of industries.
SBA financing refers to business loans and investment programs supported by the U.S. Small Business Administration. Rather than lending directly in most cases, the SBA guarantees a portion of qualifying loans made by approved lenders, allowing businesses to access longer repayment terms and more flexible financing than many conventional commercial loans.
Eligibility depends on several factors, including your business size, industry, intended use of proceeds, financial performance, and the specific SBA program being considered. While every lender has its own underwriting guidelines, SBA financing is generally intended for for-profit U.S. businesses that demonstrate the ability to repay the loan.
Depending on the program, SBA financing can be used to acquire a business, purchase owner-occupied commercial real estate, refinance existing debt, finance equipment, provide working capital, fund partner buyouts, or support business expansion. The appropriate program depends on your financing objectives and the type of transaction.
The SBA 7(a) program offers flexible financing for a wide variety of business purposes, including acquisitions, working capital, and refinancing. SBA 504 financing is designed primarily for owner-occupied commercial real estate and major equipment purchases. The SBIC program provides institutional debt and equity capital for larger, established businesses pursuing acquisitions or long-term growth initiatives.
Maximum financing amounts vary by program, lender, and transaction structure. While many SBA loans support financing up to $5M for SBA7(a) and $5M for 504, for a combined of $10M, not everyone qualifies. The loan size ultimately depends on your business’s financial profile, collateral, cash flow, and intended use of proceeds. For SBIC funds, deal sizes can be as high as $50M.
Closing timelines vary depending on the complexity of the transaction, the lender, and how quickly financial information is provided. Straightforward transactions may close within several weeks, while larger acquisitions or commercial real estate transactions typically require additional underwriting and due diligence.
For qualified borrowers, SBA financing often provides longer repayment terms, lower monthly payments, and reduced equity requirements compared to conventional commercial financing. These benefits can improve cash flow and allow businesses to invest in growth while preserving working capital.
Capital Desk works with a nationwide network of SBA lenders to identify the financing solution that best aligns with your business objectives. Rather than relying on a single lending institution, we help structure your transaction, present it to the appropriate financing partners, and guide you through the financing process from application through closing.