SBA 7(a) Q&A
Short answer
Yes, an SBA 7(a) loan can typically include the costs for third-party reports like business valuations and appraisals.
SBA loans can finance reasonable and customary closing costs, which often include fees for required third-party reports such as business valuations, equipment appraisals, and real estate appraisals. These costs are usually rolled into the total loan amount.
If your $800,000 business acquisition requires a $5,000 business valuation and a $3,000 equipment appraisal, these $8,000 can typically be financed as part of your overall SBA 7(a) loan package, reducing your upfront out-of-pocket expenses.
Insider move
Lenders ensure that the fees financed are legitimate, reasonable, and directly related to the acquisition transaction. They will require invoices for these services to be included in the loan closing statement.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
7(a) Loan Program — Terms, Conditions, and Eligibility
U.S. Small Business Administration · Official SBA source
SOP 50 10 - Lender and Development Company Loan Programs
Last checked 2026-06-14. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-14 · SBA sources checked through 2026-06-14. DealRoom analysis of public SBA 7(a) lending records (FY2020–present). Grounded in the current SBA rulebook; verify against the official sources above before relying on it for a live deal. Not legal, tax, or financial advice, and not an approval decision.
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