Lenders Menu
- Steps in SBA Lending
- 7(a) Loans
- Approval-Authorization
- 7(a) Loan Package Templates
- Standard 7(a) Authorization Wizard
- Standard 7(a) Authorization File Library
- Standard 7(a) Boilerplate
- CAPLines Authorization Wizard
- CAPLines Boilerplate
- CAPLines Authorization File Library
- EWCP Authorization Wizard
- EWCP Boilerplate
- EWCP Authorization File Library
- Community Express Authorization Template
- SBA Express-Patriot Express Authorization Template
- SLA Loan Authorization
- 7(a) Loan Evaluation Criteria
- Preparing to Submit a 7(a) Loan Package
- PLP Loan Eligibility
- 7(a) Loan Package Templates
- Closing
- Servicing
- Liquidation
- Litigation
- Guaranty Purchase
- 7(a) Terms & Conditions
- 7(a) Eligibility
- Approval-Authorization
- CDC/504 Loans
- 7(a) Loans
- SBA Loan Programs
- Working with The SBA
- Become an SBA Lender
- How to Participate in the PLP
- How to Participate in the CLP
- Other Partnerships with SBA
- Become an Express Lender
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- Search Lender Docs
- Find a SBA Resource
- Commercial Loan Service Center (Little Rock, AR)
- Commercial Loan Service Center (Fresno, CA)
- National Guaranty Purchase Center (Herndon, VA)
- Sacramento Loan Processing Center (SLPC)
- 7a Loan Guaranty Processing Center (Citrus Heights, CA)
- IRS Contact Information
- National Disaster Loan Resolution Center (NDLRC)
- Submit Your Forms
- Search SBA Lenders
- Secondary Market
- Lender Reports & Data
- FAQs
- Who is eligible for E-tran?
- What is the maximum interest rate?
- Isn’t floor plan financing available through GMAC?
- What can be financed?
- What is the underwriting process?
- Are there some actions that the lender can take unilaterally first and then tell SBA after the fact?
- Are there some servicing actions that must receive prior approval by SBA?
- Does SBA have to approve these payment modifications?
- Can payment modifications be made to loans sold on the Secondary Market?
- What provisions of SBA’s SOP address these payment modifications?
- What types of payment modifications are available in connection with an SBA guaranteed loan?
- How do I get started using E-Tran?
- How does E-Tran work?
- What are lenders saying about E-tran?
7(a) Loans
The 7(a) Loan Program is SBA’s primary program for helping start-up and existing small businesses, with financing guaranteed for a variety of general business purposes. SBA does not make loans itself, but rather guarantees loans made by participating lending institutions. In this way, taxpayer funds are only used in the event of borrower default. This reduces the risk to the lender but not to the borrower, who remains obligated for the full debt, even in the event of default.
Approval-Authorization
Use the resources below for information on the approval and authorization steps of the 7(a) lending process.
Closing
The following resources provide information on the closing process for 7(a) loans.
Servicing
See the resources below for information on servicing SBA 7(a) loans.
Liquidation
This section covers general lender liquidation guidelines.
Litigation
View the following resources for information on 7(a) litigation.
Guaranty Purchase
SBA reviews a lender’s request that SBA honor (purchase) the guaranty, this review determines if the lender has complied with the SBA loan authorization for the loan, SBA requirements, and prudent lending practices. The amount and types ...
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The specific terms of SBA loans are negotiated between an applicant and the participating financial institution, subject to the requirements of SBA. In general, the following provisions apply to all SBA 7(a) loans. Loan Amounts SBA...
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While the vast majority of businesses are eligible for financial assistance from the SBA, some are not. Applicant businesses must: Operate for profit; Be engaged in, or propose to do business in, the United States or its...
Find a SBA Resource
Reach out to local and regional
SBA offices...
Find a Document
Use our tool to track down the files you need.
Submit Your Forms...
Submit documents electronically to an SBA Loan Center using SendThisFile, or use the E-Tran tool for 7(a) applications.