The Small Business Association Loan (SBA) program at Exponential Commercial Finance is an excellent source of financing for most businesses.  Exponential has been designated as a preferred financial services company by preferred SBA lenders to have loans processed more quickly and efficiently than many others. This designation means that the SBA has delegated the approval process to our lenders which means fast and efficient processing of your SBA loan.

SBA 7(a) Loan Program $25,000-$5,000,000

We specialize in providing long term permanent financing to small businesses. Our loans, including the 7(a) Loan Program, are made through the Small Business Administration (SBA) guaranteed loan programs. Eligibility is based on SBA size standards. Typically, retail businesses with annual sales of less than $6,000,000, manufacturing business with less than 500 employees, and service businesses with less than 100 employees. Eligible businesses include those in retail, manufacturing, and services industries.

Use of Proceeds

  • Commercial real estate (purchases, construction, or refinance)
  • Leasehold improvements
  • Business expansions
  • Machinery, equipment, furniture or fixtures
  • Business acquisition
  • Working capital (offered in conjunction with same of the above)
  • Start-ups (Franchises, Motels, Restaurants, Gas Stations and C-Stores)


  • Up to 25 years for real estate financing
  • Up to 10 years for equipment or business acquisition financing
  • Up to 7 years for permanent working capital
  • All loans are fully amortized


  • Loan packaging fee: $750 to $2,000
  • Fee is based on loan size, it is collected at the time of loan submission; refunded if declined by credit
  • SBA guaranty fee: 1.70% to 2.60% of the loan amount
  • Fee can be financed in the loan