Serving Dallas-Fort Worth

Sba 7a Loan in Dallas, TX

The SBA 7(a) is the SBA's flagship loan program. Banks and non-bank lenders make the loan; the SBA guarantees a portion, which lets the lender offer up to $5M with terms as long as 25 years.

No upfront fees, ever
Compare multiple lenders in one call
Texas-based advisors
Soft credit pull (no credit hit to quote)

Call (469) 213-1499 Apply Now

Sba 7a Loan for Dallas-area business owners

Program at a glance

Typical loan amount: Up to $5M
Funding speed: 30-60 days from complete file
Term length: Up to 10 years (working capital) · up to 25 years (real estate)
To qualify: 2+ years operating, U.S. citizen/LPR owner, demonstrable cash flow to service the new debt

Ranges are typical for Dallas-area files. Final rates and terms depend on the lender and borrower profile.

Written & reviewed by the Compass Lenders advisory teamDallas-Fort Worth business financing advisorsUpdated June 2026

What it is

Sba 7a Loan, explained in plain English

The SBA 7(a) is the SBA's flagship loan program. Banks and non-bank lenders make the loan; the SBA guarantees a portion, which lets the lender offer up to $5M with terms as long as 25 years.

It's the most flexible SBA product. You can use it for working capital, business acquisition, partner buyout, equipment, owner-occupied real estate, or to refinance qualifying business debt. We help Dallas borrowers package the file and route it to an SBA Preferred Lender so the SBA can delegate the credit decision and shorten the timeline.

Compass Lenders is not a lender. We're a Dallas-based advisory firm that places your file with the lender most likely to fund it on the best terms, and we get paid only when your deal closes.

Who it's best for

A good fit if you recognize yourself here

Sba 7a Loan tends to be the right choice in specific situations. If one or more of these describes you, it's worth a 15-minute call.

Business types

Established Dallas businesses with 2+ years of consistent revenue
Buyers acquiring a business, franchise, or partner's stake
Service, professional, and light-industrial firms
Owners refinancing stacked short-term debt

Situations it fits

You need a larger amount or a longer term than a conventional bank will offer
You're acquiring a business and need both purchase financing and working capital
You can wait ~30-60 days for funding in exchange for better economics
You have decent credit and a real use of funds you can document

Typical terms

The numbers, as straight as we can give them

These are typical ranges for sba 7a loan files we place for Dallas-area borrowers. Final rates and terms depend on the lender and the borrower profile.

Typical loan amount: Up to $5M
Term length: Up to 10 years (working capital) · up to 25 years (real estate)
Time to funding: 30-60 days from complete file
Qualification basics: 2+ years operating, U.S. citizen/LPR owner, demonstrable cash flow to service the new debt
Documentation: Business + personal tax returns, interim financials, debt schedule, purchase docs for acquisitions
Cost to apply: $0 upfront. No fees, no obligation.

How to apply

From first call to funded in days

01
Talk to a Dallas advisor
Quick 15-minute call. We confirm sba 7a loan is the right structure, or recommend a better-fitting program.
02
Submit your file
One-page application plus 3 months of business bank statements. Most files don't require tax returns.
03
Compare real offers
Within 24-72 hours we bring back 2-4 funded offers from lenders actively writing this program for Texas borrowers.
04
Sign and fund
Pick the offer that fits. Funds land in your business account, often the same business day.

Call (469) 213-1499 Start my application

Benefits

Why Dallas owners pick sba 7a loan through us

Decisions in hours

Files for sba 7a loan are usually screened the same day they arrive.

No upfront fees

We're paid by the lender on close. You see real offers before any commitment.

Multiple lenders, one file

One application, side-by-side offers, so you choose on facts, not pressure.

Texas-based advisors

Local underwriters who understand Dallas business profiles and Texas filings.

Soft credit pull to quote

Initial review is a soft pull, with no impact to your personal credit score.

Built around your cash cycle

Term, draw structure, and payment cadence sized to how your revenue actually arrives.

Common uses

How Dallas businesses actually use it

A few of the real-world reasons sba 7a loan shows up in our pipeline each month.

Use case

Business acquisition

Finance up to 90% of the purchase plus rolled-in working capital on a single note.

Use case

Partner buyout

Buy out a co-owner under SBA guidelines and consolidate ownership.

Use case

Working capital + expansion

Long-term capital for hiring, marketing, and new locations.

Use case

Refinance high-cost debt

Reset short-term advances into one 7-10 year SBA payment.

Use case

Owner-occupied real estate

Buy a building you'll operate out of, often with stronger terms than conventional CRE.

FAQ

Sba 7a Loan questions, answered

What's the maximum SBA 7(a) loan amount?

The SBA 7(a) program caps at $5M. Final rates and terms depend on the lender and the borrower's profile.

How long are SBA 7(a) terms?

Real estate up to 25 years; equipment up to 10 years (or asset life); working capital and acquisitions typically 7-10 years.

Do I need collateral for an SBA 7(a) loan?

The SBA requires the lender to take available business collateral and a personal guarantee from owners with 20%+ equity. The SBA generally won't decline solely for lack of collateral if the deal otherwise cash-flows.

How is an SBA 7(a) different from an SBA 504?

7(a) is general-purpose and can be used for working capital, acquisition, or real estate. 504 is structured specifically for owner-occupied real estate and large equipment, with a CDC + bank co-funding structure.

Can I use SBA 7(a) to buy a franchise?

Yes, if the franchise is on the SBA Franchise Directory. We confirm eligibility before submission.

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