SBA 7(a) Loans The SBA 7(a) loan program is SBA's primary loan program for expanding access to capital for small businesses. The proceeds of a 7(a) loan may be used for a variety of business purposes, including real estate, equipment, inventory, tenant improvements and working capital. The 7(a) program is a good fit for businesses that have sufficient cash flow to repay the loan, but lack sufficient collateral or operating history to obtain a loan. SBA 504 Loans The SBA 504 loan program is a good option for low down payment, long-term financing to acquire or improve major fixed assets, such as owner-occupied real estate or machinery with a 10-year (or longer) useful life. If an SBA loan is the right fit for your business, Self-Help can work with you and a local SBA certified development company to finance your project. To learn more about SBA loan programs, visit SBA's website at: www.sba.gov/funding-programs/loans. Watch this story about a Self-Help SBA borrower.