SBA 7(a) Loans

At Aspen Capital Solutions, we believe small business owners deserve more than just access to capital – they deserve a streamlined path to funding. That’s why we’ve expanded our platform (formerly Aspen Business Funding) into Aspen Capital, bringing SBA financing directly under our umbrella.

The SBA 7(a) Loan Program is the most popular and versatile of the SBA offerings, designed to help entrepreneurs start, grow, or acquire businesses. Aspen’s unique advantage lies in our process: we underwrite every SBA loan in-house with our own credit team, which means we can identify issues, structure deals properly, and shorten timelines before ever presenting them to our lending partners. Once our team clears the file, we bring in capital through our preferred SBA PLP funding network to deliver efficient approvals and faster closings.

What is an SBA 7(a) Loan?

The SBA 7(a) Loan is the Small Business Administration’s flagship program, offering government-guaranteed loans that expand access to credit. By backing a portion of the loan (up to 85%), the SBA reduces lender risk, making it possible for more businesses to qualify.

Common Uses of SBA 7(a) Financing

• Business Acquisition – Buy an existing business or complete a partner buyout.
• Working Capital – Cover day-to-day expenses and stabilize cash flow.
• Commercial Real Estate – Purchase or refinance owner-occupied buildings.
• Construction & Renovation – Expand or improve your facilities.
• Equipment & Vehicles – Fund machinery, technology, or fleet purchases.
• Debt Refinance – Consolidate high-interest loans into one affordable payment.

Loan Features

• Loan Amounts – Up to $5 million.
• Terms – Up to 10 years for working capital/equipment; up to 25 years for real estate.
• Interest Rates – Market-based, tied to the Prime Rate.
• Collateral – May be required, depending on the structure.

Who Qualifies?

Typical SBA 7(a) borrower requirements include:

• U.S.-based, for-profit small businesses.
• Meet SBA size standards (varies by industry).
• Reasonable equity investment by ownership.
• Ability to demonstrate repayment capacity from cash flow.
• Eligible business purpose under SBA guidelines.

Aspen’s Advantage

How Aspen Capital Solutions is different:

• In-House Underwriting – Our credit team reviews, packages, and clears loans upfront, streamlining the approval process.
• Preferred PLP Network – We partner only with SBA Preferred Lenders (PLP), ensuring faster credit decisions and smooth funding transactions.
• Efficiency & Certainty – By solving issues early, we eliminate surprises at funding.
• Proven SBA Experience – With years of SBA lending experience, we’ve completed transactions spanning multiple industries nationwide.

Why Choose Aspen Capital Solutions for SBA 7(a) Financing?

• Direct, relationship-driven process from underwriting through funding.
• Nationwide coverage across multiple industries.
• Ability to integrate SBA 7(a) into larger capital stacks (real estate + working capital + equipment).
• Trusted by borrowers who want both speed and certainty.

At Aspen Capital Solutions, SBA 7(a) loans aren’t just paperwork – they’re a partnership between our underwriting expertise and our investor network. We simplify the process, shorten timelines, and help small business owners secure the capital they need to build, grow, and thrive.