SBA 7(a) Program

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     At United Capital America LLC, we specialize in structuring and submitting SBA 7(a) loan packages to help businesses secure the funding they need to grow, expand, or restructure. From preparing detailed financials to managing the submission process with SBA-approved lenders, we streamline every step so you can focus on running your business.
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​Program Highlights

Term:
  - Up to 10 years (120 monthly payments) with no prepayment penalties

Loan Amounts: 
  ​- Unsecured $50,000.00 to $350,000.00
  - Secured $350,000.00 to $5,000,000.00

Rates:
  - Starting from 10.25%, customized to credit strength and collateral

Ready to move forward?
Complete our initial application form and select SBA Loan. You’ll automatically receive a follow-up form to upload the required documentation.​

Why Engage Us for Your SBA Submission
We build lender-ready files designed to withstand rigorous underwriting. Our team works to position your application for the strongest possible terms, ensuring the submission meets both SBA guidelines and individual lender credit thresholds. By leveraging our network of established SBA lenders, we drive more efficient decisions and open the door to competitive rates, longer amortizations, and reduced capital requirements.

Financing Applications​
Our SBA 7(a) submissions support a broad range of capital objectives, including:
  - Acquiring or renovating owner-occupied commercial properties
  - Purchasing or expanding businesses and franchises
  - Refinancing existing debt to improve cash flow and lower interest costs
  - Funding inventory, equipment, and working capital needs essential for scale

​Stipulations
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  - Completed initial application form: LINK for all principals / entity members
  - Latest Personal Taxes
  - Business Taxes 2023
  - Business Taxes 2024 Or
    - Proof of extension (Extension letter)
    - Profit & Loss statement 2024
    - Balance Sheet 2024
  - Comprehensive research report 
  - Detailed business plan including projected Profit & Loss for the project (you can use this template: LINK)
  - Arquitectural plans or site renderings (if applicable)
  - Articles of Incorporation (or entity formation documents)
  - Signed Operating Agreement for all members of the entity (if applicable)
  - Proof of reserves, such as owner’s investment statements (bank, brokerage, 401k, etc.)
  - Borrower’s attorney contact information (if applicable)

Similar SBA Programs

SBA 7(a) Micro

SBA 504

SBA EIDL

Ready to move forward?

Complete our Business Registration Form and select SBA Loan. You’ll automatically receive a follow-up form to upload the required documentation.​

APPLY NOW