CPA SBA 7(a) Loans

Longer Repayment Terms

Repayment terms for SBA 7(a) loans are flexible, ranging up to 10 years for general business needs and up to 25 years for real estate. You can prepay loans under 15 years without penalties. For longer loans, a prepayment penalty applies for paying off more than 25% in the first three years: 5% in the first year, 3% in the second, and 1% in the third. After this period, you’re free to repay without penalties, offering greater control.

Competitive Interest Rates

Save on financing with the competitive interest rates of SBA 7(a) loans. Thanks to a government-backed guarantee, we can deliver more affordable rates than typical business lenders.

Lower Down Payments

The government guaranty also 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 but in some cases as low as 0%.

Flexible Use of Funds

The SBA 7(a) loan program is widely regarded as a top choice for small businesses due to its unmatched flexibility. Unlike many traditional loans that impose strict limitations, 7(a) loans empower businesses to meet a variety of financial needs, making them versatile for nearly any business purpose or stage of growth.

Purchase an Existing CPA Firm

Acquiring an established CPA firm with an SBA 7(a) loan provides a cost-effective way to take over a business with a loyal client base and recurring revenue. With manageable down payments and extended loan terms, you can secure ownership while preserving capital for operations and growth.

Buyout a Partner

Buying out a business partner in your CPA firm with an SBA 7(a) loan allows you to gain full control without depleting cash reserves. With flexible repayment terms, you can structure the buyout in a way that supports long-term financial stability and business continuity.

Refinance High-Interest Debt

Refinancing high-interest business debt with an SBA 7(a) loan can help CPA firms reduce financing costs and improve cash flow. With government-backed funding, you can access lower rates and better loan terms, freeing up resources for strategic investments.

Purchase Office Space

Owning your office can provide stability and long-term financial advantages for your CPA firm. An SBA 7(a) loan makes it easier to transition from leasing to ownership, helping you build equity while securing a permanent location for your business.

Expand Your Firm

Growing your CPA practice may require hiring additional accountants, upgrading technology, or opening a second location. An SBA 7(a) loan offers the necessary funding with flexible terms, allowing you to scale efficiently while managing expenses.