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SBA 7(a) vs. Conventional Loans for business acquisition
SBA 7(a) is the go-to acquisition loan when you want maximum leverage and cash-flow-friendly terms—10% down, up to 10-year amortization, and the ability to finance goodwill—at the cost of more paperwork and a slower close. Conventional loans win when speed and deal size matter (often 30–45 day closes and $5M+ transactions), but they typically demand 20–40% down, shorter terms, and heavy collateral—making them tougher on liquidity and service businesses.












