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.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’s (SBA) guaranteed loan programs. Eligibility is based on SBA business size standards. Typically, retail businesses with annual sales of less than $6,000,000, manufacturing businesses with fewer than 500 employees, and service businesses with fewer than 100 employees are eligible. Eligible businesses include those in retail, manufacturing, and services industries.

Use of Proceeds

  • Commercial real estate (purchases, construction, and refinancing)
  • Leasehold improvements
  • Business expansions
  • Machinery, equipment, furniture, and fixtures
  • Business acquisition
  • Working capital
  • Start-ups (franchises, motels, restaurants, gas stations, and convenience stores)


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


  • Loan packaging fee: $750 to $2,000
  • Fees are based on loan sizes. They are collected at the time of loan submission; refunded if declined by credit
  • SBA guaranty fee: 1.70 percent to 2.60 percent of the loan amount
  • Fees can be financed in the loan