SBA 7(a) Loanin Columbus

The SBA's flagship working-capital program

The most flexible SBA program for working capital, equipment, acquisition or partner buy-out. Popular among Dublin medical practices and Short North hospitality operators.

Up to $5M
10-year working capital terms
Real estate up to 25 years

From 8.25% APR

Apply Now (614) 391-2101

Soft credit pull only 24-hour decisions OH-licensed partners

Program Memo

SBA 7(a) Loan for Columbus businesses

The SBA 7(a) program is the SBA's flagship - up to $5 million for working capital, equipment, real estate, business acquisition, refinance or any combination. Columbus borrowers use it most often to either buy a building they currently lease (taking PITI below market rent) or to acquire an existing local business with predictable cash flow.

7(a) loans are made by SBA Preferred Lenders, not by the SBA directly. That distinction matters - lender appetite varies sharply by industry, geography and deal size. The right Preferred Lender for a $400K restaurant acquisition in Bexley is rarely the right lender for a $2.4M industrial property in South Columbus. Whitfield Credit pre-screens and routes. That is most of what we do for SBA files.

Every Whitfield Credit application runs through Ohio-licensed lending partners — one soft credit pull, side-by-side offers, no fee until close.

Coverage · SBA 7(a) Loan

SBA 7(a) Loan by Columbus neighborhood

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