SBA 7(a) Lending for Transactions Outside Your Box
Capably originates and closes SBA 7(a) loans for borrowers referred by our bank partners — providing a government-guaranteed solution for credits that don't fit conventional parameters.
The SBA 7(a) Program, Expertly Deployed
The SBA 7(a) loan program is one of the most powerful tools in commercial lending — yet many banks lack the infrastructure, appetite, or expertise to deploy it consistently. Capably fills that gap.
We originate, underwrite, and close SBA 7(a) loans on behalf of our bank partners, handling the full compliance and documentation burden while your institution earns a referral fee and retains the client relationship.
SBA 7(a) Program Highlights
Maximum loan amount under the standard 7(a) program
Government guarantee on qualifying loans
Loan terms depending on use of proceeds
States where Capably can originate and close
Common Use Cases
Business Acquisitions
Financing for owner-operator acquisitions where conventional leverage is insufficient or collateral is thin.
Commercial Real Estate
Owner-occupied real estate purchases where the borrower doesn't meet conventional LTV or DSCR thresholds.
Working Capital & Expansion
Growth capital for established businesses that lack the hard collateral required for conventional lines.
Franchise Financing
Startup and acquisition financing for franchisees in SBA-approved franchise systems.
Debt Refinance
Refinancing of existing debt where the new structure provides a demonstrable benefit to the borrower.
Equipment & Leasehold
Long-term financing for equipment and leasehold improvements with limited conventional collateral support.
Our Referral Process
Submit the Referral
Share basic borrower information and the nature of the financing need. No formal application required at this stage.
Preliminary Eligibility Review
Capably assesses SBA eligibility and program fit within 24–48 hours and provides a preliminary indication.
Application & Underwriting
We manage the full SBA application, underwriting, and approval process — keeping your team informed throughout.
Closing & Fee Payment
Upon closing, your institution receives a referral fee. The borrower receives their financing. Everyone wins.
Have an SBA Opportunity?
Submit a confidential referral or reach out to discuss whether SBA 7(a) financing is the right solution for your borrower.