SBA loan basics
Short answer
Yes, an SBA 7(a) loan can be used to purchase commercial real estate for your business, regardless of whether it is in the same state as your current operations or a different one.
The SBA 7(a) program supports businesses operating within the United States and its territories. There are no restrictions based on state lines for real estate acquisition, as long as the property will be used by an eligible small business for its operations.
A growing e-commerce business based in Texas wants to buy a warehouse in Arizona to improve its distribution network. An SBA 7(a) loan could be used for this purpose, as the property will be used for the business's eligible operations.
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
SBA 7(a) Loans Overview
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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