Finance Your Next Acquisition With SBA 7(a) Lending.
RainMaker's in-house financing coordination and 50+ lender network streamline the SBA lending process — from pre-qualification to close.
SBA 7(a) Loans: The Acquisition Advantage.
SBA 7(a) loans are the premier vehicle for business acquisitions, offering structural advantages that conventional commercial debt cannot match. By leveraging a government-backed guarantee, buyers can acquire profitable enterprises with significantly lower equity injections, preserving capital for immediate post-close growth initiatives and operational contingencies.
This program fundamentally changes the math on returns, enabling higher leverage and longer amortizations that dramatically improve day-one cash flow.
Low Down Payment
As little as 10% down, minimizing your upfront capital requirement.
Competitive Rates
Regulated interest rate caps, typically Prime + 2.25–4.75%.
Longer Terms
Up to 10 years for business-only, or 25 years with real estate.
Government Guarantee
75–85% SBA backing reduces lender risk and accelerates approval.
SBA Loan Calculator.
Model your acquisition financing in real time.
Estimates only. Actual terms depend on lender approval, credit profile, and market conditions.
Why Finance Through RainMaker.
Pre-Qualification Support
We package your financials and present you to lenders as a qualified buyer.
Lender Network Access
50+ SBA-preferred lender relationships for competitive terms.
Full-Service Coordination
From application to closing, we manage the entire lending process.
Combining SBA Loans with Seller Financing.
In many acquisitions, the optimal capital stack blends SBA financing with a seller note. This strategic approach reduces your upfront capital requirements, bridges valuation gaps between buyer and seller, and ensures the seller remains aligned with the business's continued success post-close.
Under SBA rules, a seller note on standby can often qualify as part of the buyer's required equity injection, allowing for extremely highly leveraged transactions when negotiated correctly.
From Application to Funded in 5 Steps.
Initial Consultation
Assess acquisition goals and financial readiness
Pre-Qualification
Package financials, credit review, lender matching
Application & Underwriting
Submit to matched lenders, manage diligence
Approval & Closing
Negotiate final terms, coordinate legal, close
Post-Close Support
Ensure smooth funding disbursement and transition
SBA 7(a) Loan Overview.
| Max Loan Amount | $5,000,000 |
| Typical Down Payment | 10–20% |
| Interest Rates | Prime + 2.25% to 4.75% |
| Term (Business Acquisition) | Up to 10 years |
| Term (with Real Estate) | Up to 25 years |
| SBA Guarantee | 75–85% |
| Prepayment Penalty | First 3 years only |
Connect With Our SBA Lending Team.
Provide your details below to begin the pre-qualification process and explore financing scenarios.