SBA Loan Programs
SBA Loans for Business Owners & Real Estate Investors
Penn Commercial Capital places SBA loans with banks and lending partners for businesses in New Jersey, New York, Pennsylvania, Maryland, and Florida. No upfront fees until a bank approves your loan.
SBA Programs We Offer
Types of SBA Loan Programs
Penn Commercial Capital helps business owners explore Small Business Administration (SBA) loan programs for working capital, equipment purchases, commercial real estate, and business expansion. We assist qualifying businesses in New Jersey, New York, Pennsylvania, Maryland, and Florida with financing solutions designed to support their goals.
Most Popular
SBA 7(a) Loans
The most popular SBA program, with working capital up to $5 million for qualifying businesses.
SBA 504 Loans
Long-term financing to buy owner-occupied commercial real estate for your business.
SBA CAPLines
SBA-backed lines of credit for ongoing and seasonal working capital needs.
SBA Export Loans
Financing for businesses that sell to customers outside the United States.
SBA Microloans
Smaller SBA loans with working capital up to $50,000.
SBA Disaster Loans
Recovery funding for businesses affected by a declared natural disaster.
SBA 7(a)
Flexible SBA Financing Up to $5 Million
The SBA 7(a) program is the most widely used SBA loan and the one most Penn Commercial Capital clients start with. It can fund working capital and other business needs up to $5 million, with up to 100% loan-to-value on qualifying deals. Terms of 20 or 25 years are available depending on cash flow, credit, and equity.
SBA 504
Buy the Building Your Business Operates From
SBA 504 loans are built for business owners purchasing owner-occupied commercial real estate. Penn Commercial Capital places these loans with banks and other SBA lending partners, with debt service coverage as low as 1.10 and loan-to-value as high as 90% on qualifying deals. All loans are placed in first lien position.
SBA CAPLines
An Ongoing Line of Credit Backed by the SBA
CAPLines are SBA lines of credit for businesses that need working capital on an ongoing basis rather than as a one-time lump sum. A loan expert reviews your cash cycle and helps you decide whether a revolving line fits better than a term loan.
SBA Export Loans
Finance the Work Behind Your Export Sales
SBA export loans help businesses fund the activities that go into selling abroad, from producing goods for an overseas order to covering costs while international payments come in. Penn Commercial Capital helps you find a lending partner that handles SBA export programs.
SBA Microloans
Smaller Loans for Smaller Needs
SBA microloans provide working capital up to $50,000 for businesses that need a modest amount of funding. They are a practical option for newer or smaller companies covering inventory, supplies, equipment, or day-to-day expenses.
SBA Disaster Loans
Recovery Funding After a Declared Disaster
SBA disaster loans help businesses recover after a declared natural disaster. If your business has been affected, a Penn Commercial Capital loan expert can walk you through eligibility and help you understand your options.
How It Works
From First Call to Funded SBA Loan
STEP 01
Talk to a Loan Expert
Call 866-752-6138 or start online. A loan expert learns about your business and what you want to finance.
STEP 02
Free Eligibility Assessment
We review your eligibility and qualifications for the SBA programs that fit, at no cost or obligation.
STEP 03
Start Your Application
Begin your application through Apply Now. Your loan expert explains which program and structure we will pursue.
STEP 04
Complete the SBA Forms
Provide the SBA application, personal financial statement, Forms 1919 and 159, pro forma financials, and a W-9.
STEP 05
Bank Review & Approval
We place your loan with a bank or SBA lending partner. Our fee applies only once a bank approves the loan.
STEP 06
Close & Fund
Your loan closes in first lien position and funds go to work for your business.
All loans are placed in first lien position. Hotels and motels, car washes, golf courses, printing companies, assisted living facilities, and receivables- or inventory-only deals are not accepted. Approval, rates, and terms depend on the lender and the transaction.
Fee for Performance
See Which SBA Loan You Qualify For
Get a free eligibility and qualification assessment from a Penn Commercial Capital loan expert. No application fees, no due diligence fees, and no charge until a bank approves your loan.