{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/what-is-the-maximum-percentage-of-the-business-purchase-price-that-an-sba-7-a-loan-can-fin","api_url":"https://dealroom.so/api/public/questions/what-is-the-maximum-percentage-of-the-business-purchase-price-that-an-sba-7-a-loan-can-fin","question":"What is the maximum percentage of the business purchase price that an SBA 7(a) loan can finance?","topic":"Loan limits & percentages","audience":"borrower","bot_mode":"buyer","short_answer":"An SBA 7(a) loan can finance up to 90% of the business purchase price for an acquisition, with a minimum 10% equity injection typically required from the buyer.","rule":"The SBA mandates a minimum 10% equity injection from the buyer for a change of ownership. This means the loan can cover the remaining 90% of the eligible project costs, including the purchase price, working capital, and eligible closing costs, up to the maximum SBA loan amount.","example":"For a business purchase price of $1,000,000, the buyer would need to inject at least $100,000 (10%) in equity, and the SBA 7(a) loan could finance up to $900,000, assuming it doesn't exceed the program's maximum loan limit.","what_lenders_check":"Lenders must ensure the buyer's equity injection meets the minimum 10% requirement and verify its source. They also assess the overall project costs to ensure the loan amount requested aligns with SBA guidelines and maximums.","required_facts":["Purchase price","Maximum financing","Equity injection","Project costs","Loan limits"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","7(a) Loan Program Terms, Conditions, and Eligibility"],"official_sources":[{"title":"SOP 50 10 - Lender and Development Company Loan Programs","url":"https://www.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx"},{"title":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"},{"title":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"}],"related_questions":[],"related_terms":[{"term":"Maximum SBA 7(a) Loan Amount","url":"https://dealroom.so/glossary/maximum-sba-7-a-loan-amount"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"Purchase price","url":"https://dealroom.so/glossary/purchase-price"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"term":"SBA 7(a) Loan Program","url":"https://dealroom.so/glossary/sba-7-a-loan-program"},{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"}],"related_tools":[{"name":"SBA 7(a) payment & fee calculator","url":"https://dealroom.so/sba-7a/calculator"},{"name":"Find an active SBA 7(a) lender","url":"https://dealroom.so/lenders"}],"data_freshness":{"last_reviewed":"2026-06-13","sba_rule_sources_checked_through":"2026-06-13"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-7a/questions/what-is-the-maximum-percentage-of-the-business-purchase-price-that-an-sba-7-a-loan-can-fin","source_type":"DealRoom Q&A"},"caveats":["Grounded in the current SBA rulebook; verify against official sources before relying on it for a live deal.","Not legal, tax, or financial advice and not an approval decision."]}