SBA down payments often start around 10%, but may rise to 15% to 20% for startups, special-use property, or weaker files.
The down payment required for an SBA loan depends on the program, transaction type, borrower strength, and lender policy. In many SBA transactions, 10% down is a common starting point.
More equity may be required for startups, special-use properties, business acquisitions with higher risk, limited collateral, weaker credit, or thin cash flow. In those cases, 15% to 20% down may be more realistic.
The down payment should be evaluated together with cash flow, collateral, borrower liquidity, and the overall loan structure.
SBA 7(a) down payments often start near 10%, but may be higher for startups, acquisitions, or weaker credit profiles.
SBA 504 down payments are often around 10%, but startups or special-use properties may require 15% to 20% equity.
Many SBA loans use a 10% borrower contribution, but startups, special-use properties, or weaker files may need more.
SBA equity injection commonly starts around 10%, but 15% to 20% may be required for higher-risk transactions.
Have an SBA loan scenario to review? Market Direct Capital can help evaluate structure, eligibility, and next steps.
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