SBA loan basics
Short answer
Yes, an SBA 7(a) loan can include funds to cover the cost of a seller training period for the buyer. This helps ensure a smooth transition.
When acquiring a business, it's common for the seller to provide a training period to the buyer to transfer knowledge, operational procedures, and customer relationships. The costs associated with this training (e.g., seller's consulting fees during the transition) can be included as an eligible use of proceeds within the SBA 7(a) loan, contributing to the successful continuity of the business.
A buyer purchases a dry-cleaning business for $350,000. The deal includes a provision for the seller to train the buyer for two months at a cost of $5,000, which is financed as part of the SBA 7(a) loan.
Lenders ensure the training period is reasonable in duration and cost, and directly benefits the successful transfer of the business. They want to see a clear plan for the buyer to gain expertise.
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 2026-06-13. 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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