CONTRACTOR SBA 7(a) LOANS

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.

Contractor Business Loans


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.


Equipment and Fleet Upgrades

Purchase or upgrade machinery, tools, and vehicles essential for completing construction projects efficiently.

Project Expansion

Expand your capabilities to take on larger or more specialized projects, including commercial, residential, or industrial works.

Real Estate Acquisition

Invest in a new office or warehouse location or refinance existing property to support your business’s growth.

Working Capital

Maintain smooth operations by covering day-to-day expenses such as payroll, supplies, and project materials.

Debt Refinancing

Consolidate high-interest debts into a single loan with more favorable terms, improving cash flow.

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.