Loan Services
SBA 7(a) & 504 Loans in Florida
Government-backed financing with minimal down payments and long terms.
Is this you?
You want to buy a building or a competitor and put down as little as possible.
Your accountant and your banker are asking for the same documents in two different formats.
You applied for an SBA loan once before and it dragged on for months.
If any of those sound familiar, or call +1 (305) 819-3675.
One Missing Schedule Costs You Weeks
The SBA loan program offers the best terms in small business lending, but the application is unforgiving. One missing schedule, one number that does not match between your tax returns and your projections, and your file sits in a queue for weeks while a competitor closes the deal you wanted.
45–90 days
Typical funding window, application to close
Why owners choose us for this
A fixed fee, quoted before we start.
You know the exact cost of packaging your SBA file before we touch a single document. No hourly meter while your file sits in review.
The same team that does your books builds your file.
Because SMAART also handles your accounting, your tax returns and your projections use numbers that already agree with each other, the kind of consistency SBA underwriters look for first.
We stay on the file until it closes.
We answer underwriter requests, coordinate the appraisal and stay on the closing attorney so your file doesn't stall behind someone else's.
5.0 · 555 Google reviews of SMAART Company
What you actually get
A complete SBA data room, built once and matched to a lender who says yes.
Ready when you are
How it works
- 1
Structure
We confirm the objective (acquisition, real estate or expansion) and structure the request to fit SBA 7(a) or 504 guidelines exactly, rather than adapting after a rejection.
- 2
Package
We assemble the full data room: three years of returns, debt schedules, profit and loss statements, ownership resumes and a 24-month projection.
- 3
Submit
Your file goes to SBA preferred lenders whose current appetite matches your loan size, industry and use of proceeds.
- 4
Underwrite
We manage every underwriter request, appraisal and SBA eligibility question as it comes in, so nothing sits waiting on your desk.
- 5
Close
We coordinate between the bank, the appraiser and the closing attorney through funding, then confirm the disbursement matches the approved use of proceeds.
Included Services & Outcomes
Resources
SBA 7(a) & 504 Loans insights
Questions
SBA 7(a) & 504 Loans FAQ
How long does an SBA loan actually take to close?
Applying alone can take up to six months. With a complete package and an SBA preferred lender match from the first submission, files we prepare typically fund in 45 to 90 days, and pristine, complete packages regularly close at the faster end of that range.
Is the loan money coming from the government?
No. The loan is issued and funded by a commercial bank. The Small Business Administration guarantees roughly 75 percent of it to that bank, which is why the bank can approve terms it would not offer on a conventional loan.
How much down payment do I actually need?
SBA 7(a) loans for business acquisitions typically require 10 percent down. SBA 504 real estate loans require 10 percent down with a 40 percent SBA-guaranteed second behind a conventional first mortgage. Strong collateral or an experienced ownership team can lower that further; we scope your exact number in the first call.
What's the difference between SBA 7(a) and SBA 504?
7(a) is the general-purpose SBA loan, used for acquisitions, working capital, equipment and partner buyouts, with amortizations up to 10 years on non-real-estate use. 504 is built specifically for owner-occupied commercial real estate and major equipment, with amortizations up to 25 years and a lower blended rate.
Is my business data secure while a lender is underwriting it?
Every document moves through an encrypted portal into the lender's system, never unsecured email. Access is limited to the team assigned to your file, and post-close records are retained in a SOC-aligned document environment.
Put SMAART Loans behind your sba 7(a) & 504 loans
Book a free consultation. We'll review your financing need, quote a fixed fee, and show you exactly which loan programs fit your business.