SBA 7(a) and 504 · lines of credit · working capital · equipment · revenue-based funding

Find the right funding for your business, and know where you stand before you apply.

One short pre-screen shows which options fit: SBA 7(a) and 504, lines of credit, working capital, equipment financing and revenue-based financing. Then we do the work: your application, your documents and the submission, all in-house with CommonRise from start to finish.

SBA loan pre-screenFast funding pre-screenSee every option

SBA loans have their own pre-screen. Lines of credit, working capital, equipment and revenue-based funding share a faster one.

Free pre-screenNo credit pull to see your optionsOne team handles your whole file

What do you need the money for?

Pick one, and how much. We’ll show what fits.

I want to…
About how much?
Continue to the pre-screen
20 yearsrunning and advising small businesses
Lending insidersformer owner of a national lending franchise and two lending companies
Every loan typeSBA, lines of credit, working capital, equipment, revenue-based
Done in-houseapplication, documents and submission, all with CommonRise

Every way to fund your business

Pick what you’re trying to do. The options that fit stay lit. Figures are typical ranges; each lender sets its own.

Typical ranges only, to help you compare. The capital provider makes every decision, and actual amounts, rates and terms depend on your business. Revenue-based financing is not a loan and usually costs more; we show you the comparison before you choose.

Side by side

The questions every owner asks: how much, how fast, how long to pay, and what lenders look for.

OptionTypical amountTime to moneyPay back overCostTime in businessCredit lenders like

SBA 7(a): five kinds of deals

Lenders look at each one differently. Knowing which one you are is the first thing we sort out.

See if my deal fits

Cash-flow loans

An existing business with profits on its tax returns.

  • 2+ years of returns
  • Cash flow covers the payment
  • Expansion, equipment, working capital

Projection-based

Growth the returns don’t show yet.

  • A plan and projections lenders can follow
  • Industry experience
  • Your own money in

Startups

A new business or a first location.

  • Experience in the industry
  • Usually 10–20% of your own money
  • Business plan and 3-year projections

Business acquisition

Buying a business, with or without the building.

  • Seller’s 3 years of returns
  • Purchase agreement or LOI
  • Seller financing, transition plan

SBA refinance

Replacing high-rate or short-term debt.

  • Payment history on current debt
  • Savings the new loan creates
  • Real estate can stretch the term
SBA 504For real estate or major equipment. It can also buy a business that comes with its real estate, and refinance business debt, including 7(a) debt, when real estate is part of it.
Terms7(a): 10 years, up to 25 with real estate. 504: 10, 20 or 25 years.
Who qualifiesEvery owner a U.S. citizen or U.S. national; no past-due federal debt; most lenders want 10% of your own money.

What would my payment be?

A quick estimate. Your lender sets the real rate and term.

Monthly$0
Yearly$0
Total interest$0

Lenders want your business’s cash flow to cover the yearly payment with room to spare, usually about 1.25 times.

How it works

A person reviews every file. You’re never just a form.

  1. Pre-screen, 2 minutesA few questions. Your result right away: what fits, and what to fix first.
  2. Talk it throughWe call you, go over your deal, and tell you plainly if a lender is likely to do it.
  3. Build the fileYour application, plan and projections, and every document, counted year by year and owner by owner.
  4. We submit and follow it throughWe submit your file and handle the back-and-forth until there’s a decision. You deal with CommonRise the whole way.

Recent deals

Funded deals we prepared. Client names kept private.

~$1M

SBA 7(a) for a first-time franchise restaurant owner changing careers.

Startup · plan and projections
~$1.7M

Loan for a first-time liquor store owner.

Business plan, projections and market research
~$2.2M

Trucking business acquisition for an experienced operator buying his first company.

Acquisition · buyer and seller file

Why owners come to CommonRise first

We tell you no earlyMany owners wait months for a no that could be spotted on day one. We look first.
One team, start to finishYour application, documents and submission are all handled by CommonRise. One file, one point of contact.
Plan and numbers in-houseBusiness plan, projections and the personal financial statement, done right.
Honest comparisonsIf an SBA loan fits better than a pricier advance, we’ll say so.

Questions

Are you a lender?

No. CommonRise handles your application, documents and submission. The funding itself comes from the capital provider, who makes every credit decision. No one can promise an approval.

Does checking my options affect my credit?

No. The pre-screen asks for a rough credit range. A lender checks your credit only when you apply with them.

What does it cost?

The pre-screen is free. If your deal needs a business plan or other paid work, you see the price before any work starts. Paid help on an SBA loan is listed on SBA Form 159.

Which option is cheapest?

SBA loans usually cost the least over time but take longer. Lines of credit and working capital are faster. Revenue-based financing is fastest and costs the most. We compare them for your situation.

Do I need to send documents now?

No. Documents come later, in your own secure portal.

See which funding fits your business

Two minutes, your result right away, no credit pull.

SBA pre-screenFast funding pre-screen