Apply for an
SBA7(a) Loan from $50,000 -
$500,000
- No Out-of-Pocket Fees
- No Obligation
- Transparent Terms
- Repayment Terms up to 10 Years
- Rates as low as 10.75% APR
Funding Your Success
10,000+
Businesses funded
since 2014
$500 million
Funded since 2014
98%
Approval Rate for qualified applicants
SBA 7(a) Loan
Get working capital with the lowest rates and longest terms.
Loan amounts up to $500k
Repayment terms up to 10 years
Ideal for larger expenses and expansions
What is an SBA 7(a) loan?
The SBA 7(a) Loan is a financing program guaranteed by the U.S. Small Business Administration (SBA), which feature competitive rates and repayment terms up to 10 years for working capital and equipment. The government guarantee reduces risk for lenders, making this essential program accessible to a wider variety of qualified small businesses. The versatile funds can be used for nearly any legitimate business purpose, including acquiring real estate, refinancing debt, or long-term working capital.
Clear Skies Capital specializes in helping you navigate the SBA process to secure up to $500,000 in funding. Our advisors guide you through the detailed application, ensuring you leverage the program’s low rates and favorable terms for your long-term growth. This is the gold standard for financing major business acquisitions, real estate purchases, and long-term expansion plans.
What can an SBA 7(a) loan be used for?
- Acquire Commercial Real Estate
- Buyout a partner
- Purchase or Upgrade Equipment
- Refinance High-Interest Debt
- Cover Payroll/Hire
- Purchase Materials / Inventory
- Remodel Space
- Fund New Projects and Marketing
Benefits of an SBA7(a) Loan
No Hard Credit Pulls
Apply for a business loan without affecting your credit.
Quick Turnaround
If approved, business loans can fund as soon as the next business day*.
Build Business Credit
On-time payments can help build business credit.
Minimum Requirements for SBA 7(a) Loans
2 Years in business
$300K+ in annual business revenue
675 personal FICO score
Business checking account
Process Overview
1
Complete the application.
Funding made fast with our easy, minute-long process.
2
Get a decision.
Work with a funding advisor to choose the best option for your business.
3
Receive your funds.
Sign your agreement and access your funds next business day.
Trusted by business owners in all 50 states.
Clear Skies Capital SBA 7(a) Loans Comparison
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Clear Skies Capital® SBA 7(a) Loan
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Traditional Bank Loan SBA 7(a) Loan
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|---|---|---|---|---|
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Processing Time
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30-45 Days
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2-6 Months
|
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Requirements
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||||
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Business Type
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Typically requires 2+ years operating history and strong profitability
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Typically requires 2+ years operating history and strong profitability
|
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Location
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Operating Business in the United States
|
Operating Business in the United States
|
||
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Business Plan
|
No
|
Yes
|
||
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Profitable
|
Yes
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Yes
|
||
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Cash Flow
|
Must show consistent strong cash flow
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Varies
|
||
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Outstanding Debt/Credit
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Business + personal credit evaluated together
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Heavy emphasis on excellent personal credit and collateral
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Collateral
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Not always required
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Typically required
|
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Money Down
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No
|
Yes (10-20%)
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Time in business
|
2+ Years
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4+ Years
|
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Terms
|
||||
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Loan Amount
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Up to $500k
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Up to $5mil
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Interest
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As low as 10.75% APR with flexible terms
|
Prime-based variable rates (credit-dependent)
|
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Repayment Terms
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Fixed monthly payments
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Fixed monthly payments
|
||
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Maturity Terms
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Up to 10 years
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Up to 25 years
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Fees & Restrictions
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||||
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Out of pocket fees
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No
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Yes (varies)
|
||
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Prepayment Penalty
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No
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Yes (varies)
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Use of funds restrictions
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Working Capital, Real Estate, Equipment, Refinance, Business Acquisition
|
Same with more restictions
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Covenants
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Minimal
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Yes
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FAQ's: SBA 7(a) Loans
An SBA 7(a) loan is a popular government-backed loan that helps small businesses get funding through approved lenders. It can be used for working capital, buying equipment, real estate, or even another business. The SBA doesn’t lend the money directly, it guarantees part of the loan to make it easier for lenders to approve.
U.S.-based businesses that are profitable, have positive cash flow, and are 51% owned by a U.S. citizen or lawful permanent resident.
At least 2+ years in business, 660+ FICO® score, no open tax liens, bankruptcies, or recent charge-offs.
Non-profits, gambling, landlords, lending, pyramid sales, adult content, political/lobbying groups, speculative ventures, and businesses with federal loan defaults.
CSC SBA loans typically range from $50,000 to $350,000 for working capital or debt refinance.
SBA funds can be used for payroll, hiring, debt refinance, marketing, equipment, and general working capital.
Yes. Your business should be cash-flow positive and able to make monthly loan payments.
Pre-qualification in 4 hours. Full approval and funding typically take 2–4 weeks.
No. Pre-qualification uses a soft pull and won’t impact your credit score. A hard pull is only done upon full application.
Yes, SBA 7(a) loans can be used to refinance high-interest business debt.
You may be ineligible if the bankruptcy occurred within the last 3 years. Reach out for a case-by-case review.
Personal guarantees are required. Additional collateral may be requested depending on the file.
Faster process, higher approval rates, and a dedicated team that guides you every step of the way.
SBA loan rates are government-capped and currently start around Prime + 2.75%. Your rate is based on your profile.
CSC is transparent with all fees. Any fees are disclosed upfront and deducted from loan proceeds—no out-of-pocket cost to apply.
Email us, call, or fill out our contact form, we’re here to help.
Yes, we have stories from real clients who’ve grown with our help.