SBA 7(a) Q&A
Short answer
A business appraisal and valuation typically takes 2-4 weeks to complete, but can vary based on the complexity of the business and the appraiser's availability.
Once the lender orders the appraisal, a qualified, independent appraiser conducts extensive research, gathers financial data, and applies various valuation methodologies. This process, including report writing and review, requires a dedicated timeframe.
After submitting your application for a $1,000,000 acquisition, the lender orders the business valuation. You should expect this report to be delivered within 2-4 weeks, which can be a key pacing item for the overall underwriting process.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
Last checked 2026-06-13. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-13 · SBA sources checked through 2026-06-13. 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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