SBA 7(a) Loans For Contractors

Build Big and Dream Bigger with Flexible Contractor Financing

Contractors shape the world around us, taking on projects that demand precision and expertise. The SBA 7(a) loan is a versatile financing option designed to align with your business goals. Whether purchasing heavy equipment, hiring skilled workers, or expanding your project portfolio, this program supports your growth and success.

Key Benefits of SBA 7(a) Loans for Contractor Businesses

Offering flexible financing options tailored to the specific needs of contractor businesses, SBA 7(a) loans enable investment in tools, vehicles, and site expansion. With competitive interest rates and extended repayment terms, these loans enhance cash flow while facilitating business growth.

Extended Repayment Terms

Choose repayment terms of up to 10 years for general business needs or up to 25 years for real estate purchases. Loans under 15 years come with no prepayment penalties, while longer loans have penalties for the first three years — 5% in the first year, 3% in the second, and 1% in the third. After three years, you can repay penalty-free.

Competitive Interest Rates

Enjoy competitive interest rates with SBA 7(a) loans, reducing your financing costs. A government guarantee lowers risk, allowing us to provide better rates compared to traditional lenders.

Lower Upfront Costs

The government guaranty enables small business owners to secure financing with lower down payments compared to traditional business loans, typically up to 20% of the total project cost, and sometimes as low as 0%.

Versatile Use of Funds

From purchasing heavy construction equipment to upgrading fleet vehicles or refinancing debt, SBA 7(a) loans address a variety of business needs.

What Can SBA 7(a) Do for Your Contractor Business?

Our SBA 7(a) loans empower contractor businesses to invest strategically in growth, innovation, and operational stability.

Refinance High-Interest Debt

Refinancing high-interest business debt with an SBA 7(a) loan can help contractors reduce overall financing costs and improve financial stability. With government-backed funding, you can secure better loan terms, lower payments, and free up capital for future projects.

Get Working Capital

Having sufficient working capital is essential for managing payroll, purchasing materials, and covering project-related expenses. An SBA 7(a) loan provides the flexibility to fund day-to-day operations, manage cash flow, and take on larger jobs without financial strain.

Purchase an Existing Contracting Business

Acquiring an established contracting business with an SBA 7(a) loan allows you to take over a company with existing clients, equipment, and a steady revenue stream. With flexible financing options and manageable down payments, you can secure ownership while preserving capital for expansion and operations.

Increase Marketing & Advertising

Effective marketing is key to securing new contracts and growing your contracting business. An SBA 7(a) loan provides funding to invest in digital marketing, local advertising, and brand development, helping you attract clients and stand out in a competitive market.

Buyout a Partner

Buying out a business partner in your contracting company with an SBA 7(a) loan allows you to gain full control without depleting working capital. With flexible repayment terms, you can structure the buyout in a way that supports long-term business success and growth.

Solutions for Every Stage of Your Contractor Business

Our SBA 7(a) loans are designed to support contractor professionals throughout their careers, whether you're starting a business, scaling operations, or preparing for a transition.