SBA Loans
Government-backed financing with favorable rates and extended terms, structured for long-horizon growth.
What it is
SBA loans are financed by lenders and partially guaranteed by the U.S. Small Business Administration. That guarantee reduces the lender's risk, which translates into lower rates, longer repayment terms, and lower down payments than most conventional business loans. The main programs are the 7(a) (general-purpose), the 504 (real estate and major fixed assets), and SBA Express (faster, smaller facilities).
Who it's for
Established, creditworthy businesses pursuing a significant, long-term investment — buying commercial real estate, acquiring another business, refinancing higher-cost debt, or funding a major expansion. The trade-off for the favorable terms is a more thorough underwriting process, so SBA financing suits owners who can plan ahead rather than those who need cash this week.
How the structure works
A 7(a) loan can fund working capital, equipment, acquisitions, or real estate, with terms up to 10 years (25 for real estate). A 504 loan pairs a bank loan with a CDC (Certified Development Company) loan to finance owner-occupied real estate or large equipment, often with as little as 10% down. Express facilities trade some loan size for a faster decision.
The Carraway approach
SBA approval depends heavily on matching your deal to the right program and the right lender — preferred lenders can approve faster and have clear appetites for certain industries and deal sizes. We position your application with lenders whose criteria fit your profile, which improves both your odds and your timeline.
The right capital structure starts with one conversation.
Tell us about your business and what you're trying to accomplish. We'll tell you where you fit across our lender network — and whether we're the right partner for this deal.