SBA Programs
SBA 7(a), 504, and Express programs placed through our institutional SBA Preferred Lender.
SBA 7(a)
The SBA’s most widely used program. Covers working capital, equipment, real estate, and refinancing for most business types. No minimum time in business — startup businesses are considered.
Program Parameters
Section 179 & Equipment Financing
Equipment financed through an SBA 7(a) program typically remains eligible for the Section 179 deduction — the full purchase price may be deductible in the year the equipment is placed in service, regardless of financing. The 2026 deduction limit is $2,560,000. Consult your tax advisor to confirm eligibility.
Who This Program Serves
SBA International Trade Loan
SBA ITL financing available for food supply chain businesses and small manufacturers — with enhanced benefits under federal trade and manufacturing support programs.
SBA 504
Long-term fixed-asset financing for businesses acquiring heavy equipment, building out facilities, or purchasing owner-occupied commercial real estate. 90% LTV with long fixed terms — structured for major capital expenditures.
Program Parameters
Program Restriction
SBA 504 does not apply to investment properties or rental income properties. Owner-operators only.
Who This Program Serves
Full Program Suite
Access to a full suite of government backed and conventional business financing programs — placed through a single institutional lender with SBA Preferred Lender status.
SBA MARC Program
The SBA Manufacturing Revolving Credit program provides sustained working capital access for recurring production needs — materials, payroll timing gaps, and contract fulfillment — without repeated application cycles.
MARC Parameters
Get Started
Complete a brief inquiry on our secure lander. Your information routes directly to our institutional SBA lending team — and a specialist will be in touch to discuss your options. No impact to your credit.
Important Disclosures
SBA programs are placed through an institutional lender with SBA Preferred Lender status. Program availability, loan amounts, terms, and eligibility are subject to SBA guidelines and lender underwriting at the time of application. The SBA guaranty fee waiver for NAICS 31–33 manufacturers applies to the SBA portion of closing costs only, through September 30, 2026; Lamare Capital origination fees remain and this is not a zero-cost transaction. SBA 504 applies to owner-occupied commercial real estate only and does not apply to investment or rental income properties. Section 179 information is provided for general informational purposes only and does not constitute tax advice; consult a qualified tax advisor. No hard collateral and startup eligibility are subject to lender review and approval. Lamare Capital is a DFPI-Licensed Commercial Finance Broker, License #60DBO-185415. This page does not constitute a commitment to lend.