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SBA Loans

SBA Financing, Built for Business Owners Thinking Long-Term

At CapCana Capital, we believe the most overlooked wealth decision a business owner makes is whether to keep renting.

If you are operating a business and leasing your space, you are building someone else’s equity. Every payment improves a property you will never own. SBA financing exists to change that, and it is one of the most powerful tools available to owners who are ready to think in decades rather than lease terms.

We often say that execution begins with understanding. Before we discuss loan programs, we want to understand your business, how it generates income, and what ownership would make possible for you over the next ten years.

The two programs that do most of the work ($10,000,000.00)

  • SBA 7(a): flexible financing for owner-occupied real estate, business acquisitions, working capital, equipment, and debt refinancing, generally up to 5 million dollars
  • SBA 504: long-term, fixed-rate financing for real estate and major equipment, with a lower down payment and a stable cost of capital

Each fits a different goal. Buying the building you operate from points one way. Acquiring a competitor or funding an expansion often points to another . Understanding the objective first is what determines which program, and which structure, actually serves you.

Who generally qualifies

  • For-profit businesses operating in the United States
  • Owner-occupancy of at least 51 percent for existing buildings, or 60 percent for new construction
  • A business that meets SBA size standards for its industry

How we think at CapCana Capital

We do not begin by asking how much you want to borrow. We begin by asking what ownership would do for your business and your family. SBA financing is rarely just a transaction. It is often the moment an operating business becomes a lasting asset.

And that is why, at CapCana Capital, we believe execution begins with understanding.

SBA Loans FAQ

What is the difference between an SBA 7(a) and a 504 loan?
The 7(a) program is flexible and can be used for owner-occupied real estate, business acquisitions, working capital, equipment, and debt refinancing. The 504 program is designed for long-term, fixed-rate financing of real estate and major equipment, often with a lower down payment.
How much can I borrow through an SBA loan?
SBA 7(a) financing generally goes up to 5 million dollars. The 504 program can support larger real estate and equipment projects through its structure. The right amount depends on the use of funds and the business.
Do I have to occupy the building I am buying?
For owner-occupied real estate, SBA generally requires at least 51 percent occupancy in an existing building, or 60 percent in new construction. This is what distinguishes owner-occupied financing from an investment property loan.
Can I use an SBA loan to buy another business?
Yes. Business acquisition is a common use of the 7(a) program, and it can sometimes be combined with real estate or working capital within the same financing, depending on the transaction.
Who qualifies for SBA financing?
Generally, for-profit businesses operating in the United States that meet SBA size standards for its industry. Beyond the basics, approval depends on the strength of the business and the transaction, which is where preparation makes a real difference.