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What is an SBA 7(a) loan?

Quick Answer

The SBA 7(a) is the SBA’s flagship loan — up to $5 million for working capital, equipment, real estate, or acquisitions. Rates run Prime + 2.25–4.75% with 75–85% SBA guarantee to the lender. 7(a) Small Loans are capped at $500,000.

SBA 7(a) loan caps and guarantee percentages.
Warren Team
Updated April 26, 2026
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The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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