Complete Guide to SBA 7(a) Loans
EK
Edward R. Kelly
Professional Investor • Oct 2025 • 5 min read
The SBA 7(a) loan is the gold standard for small business financing, offering terms up to 25 years for real estate.
Requirements
- Minimum Credit Score: 680+
- Down Payment: Usually 10%
- DSCR: 1.15x minimum
Frequently Asked Questions
What is a typical DSCR requirement?
Most lenders require a DSCR of 1.20x to 1.25x.
What is the max LTV for commercial loans?
Typically 75% to 80% for conventional loans.