SBA 7(a) Lender
As an SBA Lender, we offer streamlined approvals, flexible terms, and mission-driven support to help your business grow.
Fuel your growth with flexible SBA financing. Designed for small business owners like you who want to take your business to the next level
What Can You Use an SBA 7(a) Loan For?
- Leasehold improvements
- Purchase equipment and inventory
- Refinance high-interest debt
- Marketing
- Expand or open a new location
- Franchises
What Do You Need to Apply?
- 2 years of business tax returns and 1 year of personal tax return
- Business Debt Schedule
- Interim Financial Statements
- SBA forms including 1919 and Personal Financial Statement
- Franchise agreements
- Organizational documents
Loan details
- Loan Amounts: $100,000 – $350,000
- Interest Rates: Prime + 3.5% (adjusted quarterly based on prime rate)
- Loan Fees: 3%
- Term Length: Up to 10 years for working capital (varies by loan type)
Do you qualify?
- For-Profit Business – Your business must operate for profit
- U.S. Location – Your business must be physically located and operate in the United States excluding North Dakota, South Dakota, Tennessee, Montana, Vermont, and Washington DC.
- Meet SBA Size Standards – Your business must meet the SBA’s definition of a “small business” for its industry.
- Creditworthiness – Demonstrate a reasonable ability to repay the loan
Why Choose Our SBA Loans?
SBA Lender
Streamlined approvals thanks to our SBA partnership
Free Learn with AOF Membership
Access to practical tools and personalized learning pathways to help you thrive
Accessible Loans
With our national online digital application and platform
Dedicated high-touch experts
To guide you through each step of the process, ensuring a smooth experience
Extended repayment terms providing low monthly payment amounts
Enjoy extended repayment period of up to 10 years
Affordable Interest Rates
Prime +3.5% ( adjusted quarterly based on prime rate)
Ready to grow your business
Business resources
Discover everything you need to elevate your business.
With AOF, you don’t just get access to affordable financing. You’ll have expert support at every stage of your journey, along with tools and resources designed to empower small business owners.
Progeny Coffee
