Owner-used real estate · fixed-asset comparison
Compare 7(a) and 504
Free SBA education · Talk to a real person
SBA loans are complicated. Getting started doesn't have to be.
Tell me what you're trying to buy, build, or grow. I'm Andrew, and I'll help organize the facts, explain possible SBA program conversations, and prepare useful lender questions in plain English—without pressure.
✓ About five minutes✓ No credit pull✓ No formal application
Not a lenderIndependent educational guide and referral source. I do not take applications or decide eligibility, credit, terms, or approval. You do not pay me for these tools or guidance; a lender may pay me a referral fee if an introduction leads to closed financing.
Sample SBA game plan
Your project, explained in plain English.
Preparation focusCash flow, occupancy, borrower profile
- 01 Validate eligible project costs
- 02 Organize financial documents
- 03 Prepare for lender review
Educational illustration—not a quote, eligibility determination, or commitment to lend.
The question almost everyone asks first
How much cash might I actually need?
Start with an adjustable planning estimate. See the number before sharing your contact information, then ask Andrew to sanity-check it for free.
01 / Your assumptions
Start with what you know.
Nothing here is an application. Every input is adjustable, and rough estimates are fine.
Interactive sample
See how the numbers come together
Project cost$2,500,000
Summary view
Live sampleAdjust the assumptions
Example principal + interest Scenario range
Bank portion 50% CDC portion 40% Owner equity 10%
Illustrative financing$2,250,000
Approval considerations
Your complete picture
- Business cash flowReview
- Borrower experienceReview
- Credit profileReview
- Project eligibilityReview
Illustrative estimates for educational planning only. This is not a quote, loan approval, or commitment to lend. Actual structure and terms vary.
Clarity you can trust
Useful guidance.
Clear boundaries.
Explore the financing conversation without turning an early idea into a formal application. Every estimate stays educational, every assumption stays visible, and you decide when to take the next step.
Read how your information is handledWhat you can expectPrivacy + transparency
No SSN. No credit pull.
The planning experience does not request a Social Security number or access your credit report.
Not a loan application.
Start with an educational first look before choosing whether a formal lender conversation makes sense.
Assumptions stay visible.
Calculators show the inputs behind the estimates and distinguish planning examples from actual terms.
Free to you. Clear about compensation.
There is no charge for Andrew's educational guidance, planning tools, or help getting started. A lender may pay Andrew a referral fee if an introduction leads to closed financing. That possibility is disclosed upfront.
Independent—not a lender or the SBA.
Andrew does not accept loan applications or decide eligibility, credit, underwriting, approval, pricing, or final loan structure.
Clarity is leverage
The wrong structure can cost more than the rate.
The first question is rarely just “Can I qualify?” It is whether the financing leaves enough cash, time, and flexibility for the business to succeed after closing.
Hidden cash needs
Fees, reserves, working capital, and timing can change the real cash required.
Program mismatch
Real estate, acquisitions, and growth capital do not always belong in the same structure.
Late surprises
Finding issues before underwriting gives you time to improve the story and the deal.
7(a)
Flexible business financing
For acquisitions, real estate, equipment, and working capital.
SBA 7(a) financing can combine multiple eligible business needs in one structure, subject to lender and program review.
504
Long-term fixed assets
For buildings, facilities, and long-life equipment.
SBA 504 financing is designed for eligible major fixed assets and is delivered with a Certified Development Company.
How it works
From early question to a better financing conversation.
The process is designed to create clarity—not pressure. Begin with the facts you know, receive an organized first look, and decide what deserves deeper review.
01About five minutes
Frame the project
Choose what you are financing and share the practical facts: amount, timing, business performance, available cash, and where the project stands today.
Start with what you know02Private report
Receive your game plan
Get a private first-look report that organizes possible program direction, illustrative structure, preparation priorities, and the open questions that still matter.
See the whole conversation03Your decision
Choose the next move
Improve the project, test another scenario, gather documents, or move toward a human review when the opportunity is ready for a lender conversation.
No obligation to proceed
Meet your SBA guy
Start with the question you actually have.
I'm Andrew. You do not need a perfect business plan, a lender vocabulary, or every document before you reach out. Tell me what you are trying to accomplish, and I'll help organize the facts and make the SBA questions easier to understand.
We can start with the facts you know, identify what still needs work, and prepare for a financing conversation. The lender and, where applicable, a CDC make every eligibility, credit, terms, and approval decision.
Tell me about your projectBefore you begin
Good questions, answered plainly.
No. An early idea is enough to begin. Share what you know, use reasonable estimates where needed, and the game plan will show which questions deserve attention next.
My educational guidance, planning tools, and help getting started are free to you. If I introduce a lender and financing closes, that lender may pay me a referral fee. That possibility is disclosed upfront so you can weigh the relationship before requesting an introduction.
No. Your SBA game plan is an educational first look based on the information you provide. It is not a credit decision, commitment, or guarantee of terms.
SBA 7(a) financing can support acquisitions, real estate, equipment, working capital, and other eligible business needs. SBA 504 financing is generally designed for major fixed assets such as owner-occupied real estate and long-term equipment.
Most owners can complete the project questionnaire in about five minutes. The goal is to give you a useful starting point before a full lender review.
No. Rates, payments, cash requirements, eligibility, and structure depend on the project, borrower, lender, program rules, and market conditions at the time of underwriting.
You do not have to figure this out alone
Tell me what you're trying to do.
I'll help you turn the idea into an educational planning summary and a useful list of questions. No formal application, no credit pull, no pressure, and no fee for my guidance.
Get my free SBA game plan If financing closes with a lender I introduce, that lender may pay me a referral fee.