SBA Loans for Your Industry

SBA loan programs are available to many eligible small businesses, including contractors, restaurants, medical practices, manufacturers, trucking companies, hotels, retailers and professional service firms. Eligibility depends on factors such as business size, location, intended use of funds, financial condition and lender requirements.

Some startups may qualify for SBA financing, but approval can be more challenging without an established operating history. Participating lenders may evaluate the owner’s industry experience, business plan, financial projections, personal credit and available equity contribution.

Depending on the SBA program, financing may be used to purchase a business, acquire commercial real estate, buy equipment, fund working capital, finance an expansion or refinance eligible business debt. The permitted uses depend on the selected program and lender.

The right program generally depends on how you'll use the funds, not the industry alone. SBA 7(a) loans offer flexibility for acquisitions, working capital, and equipment, while SBA 504 loans are designed primarily for qualifying commercial real estate and major fixed assets.

Core eligibility standards may be similar, but participating lenders can evaluate industry-specific risks, operating history, cash flow, collateral and documentation. For example, a restaurant, contractor and medical practice may each need to provide different financial records or supporting information.

Complete the online application to provide information about your company, financing needs, and intended use of funds. We can then evaluate your information to identify available options and connect you with a participating lender. Financing is subject to lender approval, and submitting an application does not guarantee approval or funding.