# Can SBA Finance a Business Acquisition and a Real Estate Purchase? > SBA 7(a) can finance eligible business acquisitions and real estate uses within its per-loan limit. SBA 504 focuses on qualifying fixed assets; buying the business and buying its premises need a clear, separate use-of-proceeds budget. Canonical: https://riversidepark.capital/sba-business-acquisition-real-estate-purchase Markdown: https://riversidepark.capital/sba-business-acquisition-real-estate-purchase.md ## Quick answer SBA 7(a) can finance eligible business acquisitions and real estate uses within its per-loan limit. SBA 504 focuses on qualifying fixed assets; buying the business and buying its premises need a clear, separate use-of-proceeds budget. ## How should you separate the business price from the property price? Break the request into real estate, business ownership, equipment and operating needs. Identify what is included in the acquisition agreement and what is financed separately. A property appraisal does not establish the value of the operating business, and a business purchase price should not be treated as collateral value for the premises. **Where it fits:** The 7(a) per-loan maximum is $5 million. A qualifying 504 project can involve more total project financing than its SBA/CDC portion. If a combined structure is considered, the eligible $10 million combined limit does not mean a single 7(a) loan can exceed its ceiling. **Example:** Illustrative: acquiring a company that leases its site is primarily a business-acquisition question. Purchasing the company and its building adds a real estate component that needs its own valuation and owner-occupancy review. Present both components at the start rather than hiding property costs in the business price. **Fit check:** Owner-occupied commercial real estate eligibility requirements apply. RPC's public minimum FICO is 680; this is RPC's guideline, not a universal SBA credit-score rule. Business repayment capacity and SBA eligibility are reviewed individually; no common SBA DSCR floor is published here. Apply with your property and financing request, or submit a deal as a broker through Partners. ## Loan parameters - Loan size: SBA 7(a): up to $5 million per loan. SBA 504: SBA/CDC portion up to $5 million, or $5.5 million for qualifying manufacturing and energy projects. Total project financing can be larger. - Loan type: SBA Financing ## Eligible assets - Qualifying owner-occupied commercial real estate - Eligible business acquisitions under SBA 7(a) - Eligible equipment and working capital under SBA 7(a) - Eligible long-life equipment under SBA 504 ## Underwriting guidelines - Up to 90% financing for qualifying SBA transactions - Owner-occupied commercial real estate eligibility requirements apply - SBA 7(a): up to $5 million per loan - SBA 504: SBA/CDC portion up to $5 million ($5.5 million for qualifying manufacturing and energy projects); total project financing can be larger - Closing in as little as 45 days for qualified transactions - Owner-occupied commercial real estate eligibility requirements apply. RPC's public minimum FICO is 680; this is RPC's guideline, not a universal SBA credit-score rule. Business repayment capacity and SBA eligibility are reviewed individually; no common SBA DSCR floor is published here. - RPC handles SBA terms individually. Submit an application for review; this page does not offer an automated rate-sheet quote. - Property and business eligibility are confirmed for each SBA transaction ## Which program facts apply to this request? (as of 2026-10-08) | Fact | Public guideline | | --- | --- | | Loan amount | SBA 7(a): up to $5 million per loan. SBA 504: SBA/CDC portion up to $5 million, or $5.5 million for qualifying manufacturing and energy projects. Total project financing can be larger. | | Program condition | Up to 90% financing for qualifying SBA transactions | | Program condition | Owner-occupied commercial real estate eligibility requirements apply | | Program condition | SBA 7(a): up to $5 million per loan | | Program condition | SBA 504: SBA/CDC portion up to $5 million ($5.5 million for qualifying manufacturing and energy projects); total project financing can be larger | | Program condition | Closing in as little as 45 days for qualified transactions | | Program condition | Owner-occupied commercial real estate eligibility requirements apply. RPC's public minimum FICO is 680; this is RPC's guideline, not a universal SBA credit-score rule. Business repayment capacity and SBA eligibility are reviewed individually; no common SBA DSCR floor is published here. | | Program condition | RPC handles SBA terms individually. Submit an application for review; this page does not offer an automated rate-sheet quote. | | Program condition | Property and business eligibility are confirmed for each SBA transaction | - These are public guidelines, not a loan commitment. Final terms depend on underwriting. ## FAQs **Q: Can 7(a) include working capital with an acquisition?** 7(a) supports eligible acquisition and working-capital uses. Specify each use and let the team confirm eligibility and sizing for the combined request. **Q: Can 504 pay for the whole business acquisition?** 504 focuses on qualifying fixed assets. Do not assume it finances ownership acquisition, goodwill or general working capital; separate those needs for a 7(a) discussion. **Q: Does a signed purchase agreement fix the closing date?** No. Qualifying SBA transactions can close in as little as 45 days, but business documentation, eligibility and any property work must be completed. Share contractual deadlines early. ## Related - [SBA Financing](https://riversidepark.capital/sba-loans) - [Apply for financing](https://riversidepark.capital/apply) - [Submit a deal as a broker](https://riversidepark.capital/partners) - [SBA 7(a) program and eligible uses (SBA.gov)](https://riversidepark.capitalhttps://www.sba.gov/loans/7a-loans/) - [SBA 504 program and eligible uses (SBA.gov)](https://riversidepark.capitalhttps://www.sba.gov/loans/504-loans/) - [SBA policy: coordinating 7(a) and 504 limits](https://riversidepark.capitalhttps://legacy.sba.gov/document/policy-notice-5000-879058-coordination-7a-504-maximum-loan-limits) --- Source: Riverside Park Capital - https://riversidepark.capital/sba-business-acquisition-real-estate-purchase