Sba 7a Loan in Aurora, CO
The SBA 7(a) loan is the SBA's flagship program — a flexible, government-guaranteed loan that Marquette Capital Group uses to finance almost any legitimate business purpose for Aurora operators. Working capital, equipment, real estate, business acquisitions, refinancing high-cost debt, or a combination inside one facility.
For most Aurora small businesses, an SBA 7(a) is the single best long-term financing structure available. Terms stretch to 10 years for working capital and equipment, and up to 25 years when real estate is involved. That kind of amortization is impossible with conventional bank paper.
We package 7(a) files locally, which matters more than most borrowers realize. A file that reads clearly to underwriting closes; a file that raises questions gets set aside. Our underwriters are in Aurora — you can walk in.
- Business acquisition loans in the Denver metro
- Owner-occupied commercial real estate
- Consolidating multiple high-rate short-term loans
- Combined working capital + equipment financing
- Franchise financing (SBA-approved franchises)
- Personal FICO 660+ (some lenders accept 640)
- Business generating positive cash flow or clear projections
- 10% minimum equity injection for acquisitions
- Reasonable collateral position (not always required)
- Personal guaranty from 20%+ owners
From intake to funded in four steps.
“The 7(a) is the right tool for most long-term Aurora financing needs but it comes with an SBA guaranty fee (typically 3–3.75% financed into the loan) and a documentation package heavier than a conventional term loan. If you need money in under 30 days, look at short-term working capital or a line of credit while we run the 7(a) in parallel.”
Questions Aurora operators actually ask.
What's the difference between SBA 7(a) and 504?+
7(a) is a general-purpose loan up to $5M for almost any use. 504 is specifically for owner-occupied real estate and heavy equipment, structured as two loans (a bank first plus a CDC second) at fixed rates. For pure real estate over $1M, 504 is often cheaper. For everything else, 7(a).
How long does an SBA 7(a) take in Aurora?+
45–75 days is typical from complete application to funding. Clean files with organized financials close faster; complex files with real estate or acquisitions take longer.
Can I use 7(a) proceeds for working capital?+
Yes. Working capital is one of the most common uses. You can borrow up to $5M against 10-year amortization for pure working capital — very useful for growing Aurora businesses whose bank line of credit maxed out.
Are there prepayment penalties?+
Only on 7(a) loans with terms of 15+ years, and only during the first 3 years. Most working-capital 7(a) loans have zero prepayment penalty.
Do I need collateral for a 7(a)?+
The SBA requires lenders to take available collateral but will not decline a loan solely for insufficient collateral if the file otherwise cash-flows. This is one of the program's biggest advantages over conventional bank paper.
Talk to Aurora about sba 7a loan.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.