Financing Solutions
SBA Loans
Leverage the power of government-backed financing with SBA 7(a) and SBA 504 loan programs. Lower down payments, longer repayment terms, and competitive interest rates — designed for small businesses that are ready to grow.
Government-Backed Terms That Work for Your Business
SBA loans are among the most powerful financing tools available to small businesses. Backed by the U.S. Small Business Administration, these programs offer terms that are difficult to match with conventional financing — including lower down payments, longer repayment periods, and competitive interest rates.
Rock Harbor Funding helps you navigate the SBA loan process from start to finish. We work with both the SBA 7(a) program — the most flexible and widely used — and the SBA 504 program, which is ideal for purchasing commercial real estate or major fixed assets. Our advisors handle the paperwork so you can focus on your business.
At a Glance
Loan Amounts
Up to $5,000,000 (7a) / Up to $5,500,000 (504)
Terms
Up to 10 years (working capital) / Up to 25 years (real estate)
Time to Fund
30–90 days (SBA processing)
Collateral
Varies by program and loan size
Common Uses
How Businesses Use This Financing
SBA 7(a) — General Business
The most flexible SBA program. Use for working capital, equipment, real estate, acquisitions, and debt refinancing.
SBA 504 — Real Estate & Equipment
Ideal for purchasing owner-occupied commercial real estate or major fixed assets with a low down payment.
Business Acquisitions
Finance the purchase of an existing business with SBA-backed terms that reduce your out-of-pocket investment.
Startup Financing
SBA programs are available to startups and newer businesses that may not qualify for conventional financing.
Qualifications
General Requirements
Business Type
For-profit U.S. business meeting SBA size standards
Time in Business
2+ years preferred (startups considered)
Credit Score
680+ preferred
Documentation
2 years tax returns, financial statements, business plan
Requirements are general guidelines. All applications are reviewed individually.
Ready to Apply for an SBA Loan?
Our SBA specialists guide you through every step of the process — from pre-qualification to SBA approval and funding.
Other Financing Solutions