Secure the Future of Your Business with Institutional & SBA Financing.
Whether you are purchasing your company's very first brick-and-mortar facility, constructing a building from the ground up, or acquiring an existing business, you deserve premier institutional terms. Trifecta Business Group guides you through the complex world of government-backed SBA 7(a) and SBA 504 loans to lock in low interest rates, high leverage, and stable, long-term repayment security.
High-leverage institutional funding Up to 25–33 year terms Dedicated transaction support
Matched against 50+ lending partners to find your best terms.
Better Business Bureauaccredited business
See which funding options you qualify for
Four quick questions. No credit pull, no documents, no phone call to get started — just a clear read on where your business stands against 50+ lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Your file is shopped across our full network, not one bank.
From a small working-capital bridge to major expansion capital.
Most complete files receive decisions inside two business days.
Basic intake takes 5–10 minutes; full financing files with documents 10–20. AI Autofill speeds it up.
Three steps from application to funded
Apply in 5–10 minutes
Tell us your revenue, time in business and how much you need. Soft credit pull only. Full financing files with documents run 10–20 minutes, and AI Autofill speeds it up.
We match your file
A funding advisor shops your profile across 50+ lending partners for the best structure and rate.
Review and get funded
Compare your offers with no obligation, sign digitally, and see funds—often within 24–48 hours.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
Institutional Capital Built for Generation-Defining Moves
SBA and commercial real estate transactions require professional structuring to cross the finish line safely. Our master broker network matches your project variables with the specific bank or institutional fund most eager to underwrite your industry sector.
SBA 504 Loans
Ideal for purchasing owner-occupied commercial real estate or massive ground-up construction projects.
- Funding Ranges
- $1,000,000 to over $12,000,000+
- Terms
- Extended terms up to 25–33 years with initial interest-only paths and zero balloon payments.
SBA 7(a) Loans
Perfect for general working capital, machinery purchases, debt refinancing, or comprehensive business acquisitions.
- Funding Ranges
- $400,000 to $7,500,000
- Terms
- Up to 10 years for operational capital/assets; up to 25 years for real estate.
Monthly Payment Estimator
See what the monthly payment looks like on a fully amortized business loan at different amounts, rates, and terms. Longer SBA terms are exactly why the payment often beats short-term financing.
Loan Scenario
Adjust the amount, rate, and term to match your project. SBA 7(a) and 504 terms commonly run 10 to 25 years for real estate.
Compare this payment against what the same amount would cost on short-term financing. A longer term lowers the monthly payment but raises total interest — pick the payment your cash flow can carry every month.
Estimate for planning purposes only. Excludes taxes, insurance, and fees. Actual rates and terms are set by the lender in underwriting.
What this calculator works out
This SBA loan calculator estimates the fully amortized monthly payment on owner-occupied commercial real estate financing, where longer 20 to 25 year terms usually beat short-term business debt on monthly cost.
Elite Financing Pre-Requisites
Because these facilities carry the lowest rates on the commercial market, they require established parameters to initiate underwriting.
Credit Quality
Strong credit histories with a target score of 630+.
Property Occupancy (504)
The real estate must be owner-occupied (your business must occupy at least 51% of the total space).
Capital Injection
A down payment / equity injection of 10–20% is typically required based on the asset type.
Financial Health
For-profit entities operating within eligible sectors with documented historical cash flow to safely manage debt services.
What SBA Capital Is Used For
SBA financing rewards patience with the lowest long-term cost of capital available to most small businesses. These are the projects it is built for.
Buy your own building
Stop paying rent and convert your monthly occupancy cost into equity in an owner-occupied property.
Ground-up construction
Fund new construction or a major expansion with interest-only draws during the build period.
Business acquisition
Purchase an existing business or buy out a partner with long amortization that protects post-close cash flow.
Heavy equipment and build-out
Finance machinery, tenant improvements, and fixtures inside one long-term facility instead of several short ones.
Debt refinancing
Roll expensive short-term advances into a single lower payment and restore monthly cash flow.
Working capital with the deal
Layer operating capital into the transaction so you open with reserves rather than a drained account.
504 or 7(a): How We Choose
The right program depends on what the money buys. We structure the file around the project, then match it to the bank most active in your sector.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
SBA 504
Best for real estate and long-lived equipment. Typically a bank first mortgage plus a debenture, low fixed rates, terms up to 25 years, and no balloon payment.
SBA 7(a)
The flexible workhorse: acquisitions, working capital, equipment, and refinancing. Up to 10 years for operations and assets, up to 25 years when real estate is involved.
Down payment
Owner-occupied projects often require roughly 10 to 20 percent injection. Seller notes, existing equity, or business cash can sometimes supply part of it.
Occupancy rule
Owner-occupied means you use the majority of the space. Existing buildings generally require 51 percent occupancy; new construction requires more.
Timeline
SBA transactions typically run 45 to 90 days. Clean tax returns, a signed contract, and a fast appraisal are what compress that window.
Personal guarantee
Owners with 20 percent or more generally guarantee the loan. In exchange you get the longest terms and lowest rates in small-business lending.
Questions, Answered
Most files close in 45 to 90 days. Appraisal, environmental review, and title work drive the calendar, so submitting complete tax returns and financials at the start is the single biggest accelerator.
Plan on roughly 10 to 20 percent for owner-occupied real estate, with the exact figure tied to property type, industry, and operating history. Seller financing can sometimes cover part of the injection.
Yes. SBA 7(a) is one of the most common ways to fund an acquisition or partner buyout, and it can include working capital and equipment in the same transaction.
No. Strong cash flow, a credible business plan, and clean recent tax filings often matter more than a top-tier score. Our initial review uses a soft pull.
We place it with conventional commercial lenders or bridge capital instead. Because your file goes to 50+ partners, a program mismatch is not the end of the conversation.
A local bank only offers its own narrow, rigid product line. If you don't fit their specific criteria, you get rejected. As a broker, we force lenders to compete for your business, unlocking access to terms and approvals that traditional banks simply cannot match.
For SBA 504 and 7(a) real estate loans, your business must physically occupy at least 51% of the property. This ensures the loan is used to support operational small businesses rather than passive real estate investors.
Start Your SBA or Commercial Property Application
Get matched with the bank or institutional fund most eager to underwrite your project—with low rates, high leverage, and long-term stability.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Prefer to talk it through? Call 1.877.977.3015