SBA 7(a) for Professional Services
General purpose up to $5M. Practice acquisition, office space, working capital, equipment, refinance.
- Up to $5M
- 10 yrs WC / 25 yrs RE
- Prime + 2.25–4.75%
- 45-90 day timeline
WESTVALVE FINANCIAL • SBA LOANS FOR PROFESSIONAL SERVICES
SBA Loans for Professional Services.
7(a), 504, Express, Microloan — practice acquisition, office real estate, working capital, equipment. Professional services-specialized SBA lenders who understand your practice.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALPROFESSIONAL SERVICES SBA
RATES AS LOW AS PRIME + 2.25%
Government-backed capital for professionals.
Lowest rates. Longest terms. Highest amounts. We match you with SBA-approved providers who specialize in professional services.
SBA LOANS FOR PROFESSIONAL SERVICES
Four programs. Built for professionals.
Professional services have unique financing needs — practice acquisition, office space, technology, working capital. We match you with SBA-approved providers who specialize in professional services.
SBA Express
Same uses as 7(a) but faster. 36-hour SBA decision, funding in 7-14 days.
- Up to $500K
- 7 yr revolving / 10-25 yr term
- Prime + 4.5–6.5%
- 36-hour SBA decision
SBA 504 Loan
Office real estate & heavy equipment only. 50% bank / 40% CDC / 10% equity.
- Up to $5.5M
- 10, 20, 25 yr fixed
- Fixed, below market
- 60-90 day timeline
SBA Microloan
Startup-friendly. Up to $50K through nonprofit intermediaries.
- Up to $50K
- Up to 6 years
- 8-13% (intermediary sets)
- 30-90 day timeline
PROFESSIONAL SERVICES ADVANTAGES
Why SBA works for professional services.
01
Practice Acquisition
7(a) finances law firm buy-ins, accounting firm mergers, consulting acquisitions — up to $5M, 10-year terms.
02
Office Real Estate
504 & 7(a) finance owner-occupied offices — 10% down, 25-year fixed, 51%+ occupancy.
03
Technology & Equipment
7(a) & 504 finance case management, CRM, servers, specialized software — up to $5M.
04
Recurring Revenue Strength
Retainers, subscriptions, recurring clients = strong DSCR. Lenders value predictable professional services cash flow.
PROGRAM MATCH
Pick the right program for your practice.
| Need | Best Program | Why |
|---|---|---|
| Office space purchase / build-out | SBA 504 | Owner-occupied RE, 10% down, 25-yr fixed |
| Practice acquisition / partner buyout | 7(a) Standard | Up to $5M, general purpose, 10-yr term |
| Working capital / tech / marketing | 7(a) or Express | General purpose, revolving line option |
| Startup / solo practice launch | Microloan | Up to $50K, startup-friendly |
| Speed needed (< 2 weeks) | SBA Express | 36-hour decision, up to $500K |
REQUIREMENTS
What professional services firms need to qualify.
Credit Score
- 7(a)/504: 680+
- Express: 650-680+
- Microloan: 620+
Time in Business
- 7(a)/504: 2+ years
- Express: 1-2+ years
- Microloan: Startup OK
Profitability
- 7(a)/504: Profitable
- Express: Profitable preferred
- Microloan: Path to profit
Professional Services-Specific
- Professional license(s)
- Professional liability insurance
- Client contracts / retainers
- Professional experience
DOCUMENTS
What you need to apply.
SBA Forms
- Form 1919 (Borrower Info)
- Form 413 (Personal FS)
- Form 912 (if applicable)
Financials
- 3 yr business tax returns
- 3 yr personal tax returns
- YTD P&L + Balance Sheet
- Debt schedule
Professional Services-Specific
- Professional license(s)
- Professional liability insurance
- Client contracts / retainers
- Professional experience / CV
Project-Specific
- Office: Contract, appraisal, Phase I
- Equipment: Vendor quote
- Acquisition: Purchase agreement
GET STARTED
Let's find your professional services SBA loan.
Tell us about your practice — acquisition, office, technology, or working capital. We'll match you with SBA-approved providers who specialize in professional services.
FAQ
Questions about SBA for professional services.
Can professional services firms get SBA loans?
Yes. Professional services is an eligible industry for all SBA programs. Law firms, accounting firms, consulting firms, engineering firms, architecture firms, and marketing agencies all qualify. The key is demonstrating profitability, 2+ years in business, and 680+ credit for standard 7(a)/504 programs.
Which SBA program is best for professional services office space?
SBA 504 is ideal for owner-occupied office space — up to $5.5M, 10-25 year fixed rates, 10% down (15% for special use). SBA 7(a) also finances office space up to $5M with 25-year terms. Owner must occupy 51%+ for 504, 60%+ for 7(a).
Can SBA loans finance professional practice acquisitions?
Yes. SBA 7(a) is commonly used for practice acquisitions — law firm buy-ins, accounting firm mergers, consulting firm acquisitions. Up to $5M, 10-year terms. Lenders look for client retention, recurring revenue, and transition plan.
Can SBA loans finance professional services working capital?
Yes. SBA 7(a) and Express provide working capital for payroll, marketing, technology, and the gap between billing and collection. SBA Express offers revolving lines of credit up to $500K with 36-hour decisions.
What credit score do professional services firms need for SBA loans?
Standard 7(a)/504: 680+ personal credit. SBA Express: 650-680+. Microloan: 620+. Strong cash flow, recurring revenue (retainers, contracts), and industry experience can offset 650-679 scores. We've seen 650-679 approved with stable recurring revenue and 3+ years experience.
Can SBA loans finance professional services startup costs?
Yes, but harder. SBA Microloan program (up to $50K) is designed for startups. Standard 7(a) requires 2+ years in business typically. Some lenders do 7(a) for professional services startups with strong business plan, industry experience, 20-30% equity injection, and projections. SBA Express may be more accessible.