{"id":22969,"date":"2023-08-29T14:21:46","date_gmt":"2023-08-29T14:21:46","guid":{"rendered":"https:\/\/swoopfunding.com\/us\/?post_type=sba-loans&#038;p=22969"},"modified":"2026-05-03T09:23:22","modified_gmt":"2026-05-03T09:23:22","slug":"how-much-is-an-sba-loan-down-payment","status":"publish","type":"sba-loans","link":"https:\/\/swoopfunding.com\/us\/sba-loans\/how-much-is-an-sba-loan-down-payment\/","title":{"rendered":"How much is an SBA loan down payment?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22969\" class=\"elementor elementor-22969\" data-elementor-post-type=\"sba-loans\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3011383 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3011383\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d7e1c08\" data-id=\"d7e1c08\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-46c9796 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46c9796\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1eef7fa\" data-id=\"1eef7fa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c8f2de elementor-widget elementor-widget-heading\" data-id=\"6c8f2de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">How much is an SBA loan down payment?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bec74d elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"0bec74d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10aa345 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"10aa345\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/us.swoopfunding.ca\/get-started?fundingReason=fundingOnboarding&#038;version=v3\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Join Swoop<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-95042ed\" data-id=\"95042ed\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fcd77f7 elementor-widget elementor-widget-ucaddon_summary_from_andrea\" data-id=\"fcd77f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_summary_from_andrea.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"summary-from-andrea-container\">\n <div class=\"summary-content\">\n <h4>\n Key Takeaways <\/h4>\n\n <ul><li>SBA loans often require a down payment of 10\u201330%, depending on the loan type and borrower risk profile.<\/li><li>SBA 7(a) loans typically require 10%, while 504\/CDC loans require 10\u201320%, with some exceptions and external support possible.<\/li><li>Alternatives for raising down payments include personal funds, retirement savings via ROBS plans, angel investors, and crowdfunding; some SBA loans (e.g., microloans, CAPLines, disaster loans) may not require down payments.<\/li><\/ul> <\/div>\n\n <div class=\"andrea-avatar\">\n <img decoding=\"async\" loading=\"lazy\" class=\"avatar\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/images\/andrea-avatar-min.png\" alt=\"Andrea Reynolds, Swoop\u2019s CEO & Co-Founder\">\n <a href=\"https:\/\/swoopfunding.com\/us\/about-swoop\/team\/andrea-reynolds\/\">See Andrea's profile <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/images\/arrow-right-min.svg\"><\/a>\n <\/div>\n\n<\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c433718 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c433718\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-14237f10\" data-id=\"14237f10\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3a901b elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"d3a901b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51cbdd6 elementor-widget elementor-widget-text-editor\" data-id=\"51cbdd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The size of the down payment depends on how much money the loan is for and what type of loan it is.<\/span><\/p><p><span style=\"font-weight: 400;\">Read on to learn how much an <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/\">SBA loan<\/a> downpayment is, which SBA loans require down payments and how to get the money for your downpayment.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-feff95f elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"feff95f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div 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\"datePublished\": \"2023-08-29T14:21:46+00:00\",\n            \"dateModified\": \"2026-05-03T09:23:22+00:00\",\n            \"author\": {\n                \"@type\": \"Person\",\n                \"@id\": \"https:\/\/swoopfunding.com\/us\/author\/kat-cox\/#person\",\n                \"name\": \"Kat Cox\",\n                \"url\": \"https:\/\/swoopfunding.com\/us\/author\/kat-cox\/\"\n            },\n            \"publisher\": {\n                \"@id\": \"https:\/\/swoopfunding.com\/us\/#organization\"\n            }\n        }\n    ]\n}    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/us\/author\/kat-cox\/\" aria-label=\"Kat Cox\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2023\/03\/kat-cox-min.jpg\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2023\/03\/kat-cox-min.jpg?is-pending-load=1\" alt=\"Kat Cox\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/us\/author\/kat-cox\/\">Kat Cox<\/a>. <span>Last reviewed on May 3, 2026<\/span>. <span>Next review due October 1, 2027.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2023\/03\/kat-cox-min.jpg\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2023\/03\/kat-cox-min.jpg?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Kat Cox<\/div>\n <div 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Her work has been featured in Forbes and on financial health platform Nav.com. When she's not writing blogs, web copy, or fiction, Kat can be found walking her dog or singing karaoke in Austin, Texas.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf94d5f elementor-widget elementor-widget-ucaddon_aivoov_player\" data-id=\"cf94d5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_aivoov_player.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t<div class=\"aivoov-player-block\">\n\t<div class=\"read_this\">Read this article to me<\/div>\n\t\t\t<style>\n\t\t\t.plyr__controls .plyr__controls__item:first-child{\n\t\t\t\tbackground:#2e9c8e !important;\n\t\t\t}\n\t\t\t:root{\n\t\t\t--plyr-color-main:#2e9c8e;\n\t\t\t--plyr-audio-controls-background:#f0f2f4;\n\t\t\t--plyr-audio-control-color:#546a7b;\n\t\t\t}\n\t\t\t[data-plyr=\"mute\"]{color:#2e9c8e !important}\n\t\t\t.aivoov-text-color{color:#546a7b}\n\t\t<\/style> \n\t\t<div class=\"audio_player\">\n\t\t<audio class=\"js-player\" controls=\"\">\n\t\t\t<source src=\"https:\/\/monky-voice-over.s3.amazonaws.com\/aivoov\/781640cc-7bc1-4bbf-9492-22dedc19678b\/c1a86a4a-ee41-489d-a6e7-0734f94c6015.mp3\" type=\"audio\/mp3\">\n\t\t\t<source src=\"https:\/\/monky-voice-over.s3.amazonaws.com\/aivoov\/781640cc-7bc1-4bbf-9492-22dedc19678b\/c1a86a4a-ee41-489d-a6e7-0734f94c6015.mp3\" type=\"audio\/ogg\" \/>\n\t\t<\/audio> \n\t\t\t\t <div class=\"powerd_by aivoov-text-color\"><p><a rel=\"nofollow noopener\" target=\"_blank\" href=\"http:\/\/aivoov.com\/?um_source=plugin_powered_by\" style=\"color: inherit;\">Powered by AiVOOV<\/a><\/p><\/div>\n\t\t \n\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5de8d44c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5de8d44c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-455042f3\" data-id=\"455042f3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2739030a elementor-widget elementor-widget-spacer\" data-id=\"2739030a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bada4e8 elementor-widget elementor-widget-text-editor\" data-id=\"2bada4e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">SBA loans are very popular for small businesses because they tend to offer lower interest rates and longer repayment terms than traditional business loans. If you qualify for an SBA loan, you may be able to get up to $5.5 million for your business. However, many SBA loans require a down payment to secure the loan. Much like a residential mortgage for a new home, you\u2019ll pay a percentage of the loan&#8217;s value upfront to show that you\u2019re invested in repaying the loan.<\/span><\/p><p><span style=\"font-weight: 400;\">Not all SBA loans require a down payment. Also, it\u2019s up to the lender who funds the loan to determine what kind of down payment to charge you, although there are minimums and maximums set by the SBA. It\u2019s important to know which loan programs require a down payment and how much they expect you to pay before you apply.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78d503c6 elementor-widget elementor-widget-spacer\" data-id=\"78d503c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66d193d elementor-align-center elementor-widget elementor-widget-button\" data-id=\"66d193d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/us.swoopfunding.ca\/get-started?fundingReason=fundingOnboarding&#038;version=v3\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c013ac0 elementor-widget elementor-widget-spacer\" data-id=\"c013ac0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-a9101f0 e-flex e-con-boxed e-con e-parent\" data-id=\"a9101f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28af3cc elementor-widget elementor-widget-heading\" data-id=\"28af3cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the average SBA loan down payment by type?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fcc2033 elementor-widget elementor-widget-text-editor\" data-id=\"fcc2033\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The SBA offers a wide variety of loan programs, and each has different requirements. The down payment is different for each program, and the lender may require a different down payment depending on your individual qualifications as well. You can expect to pay 10-30% of the value of the full loan as a down payment, depending on how much money the loan is worth and your qualifications.\u00a0<\/span><\/p><h3><strong>SBA 7(a) loan down payment<\/strong><\/h3><p><span style=\"font-weight: 400;\">The <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-7a-loans\/\">SBA 7(a) loan<\/a> program is the most popular among SBA loan programs. You can get up to $5 million and use it for almost any purpose to build your business, including <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/working-capital-loans\/\">working capital<\/a>, commercial real estate, buying inventory and equipment and more. You can even use the money from an SBA 7(a) loan to refinance or pay down existing business debt.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">For an SBA 7(a) loan, the minimum required down payment is 10% of the loan amount. So if you get a loan for $2 million, you\u2019ll be expected to pay $200,000 to get the loan. The lender may decide to charge more than 10% if your loan is smaller or if you have a riskier profile, for instance, if you have a lower credit score.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The biggest exception to this 10% rule is the SBA 7(a) Express loan program. The lender gets to decide whether or not to charge you down payment for an Express loan, as long as they would do the same for a non-SBA loan. These loan funds have shorter application review times and tend to fund faster, but you can only get $500,000 for the loan.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">There are other SBA 7(a) programs that don\u2019t require a down payment, such as SBA export loans.<\/span><\/p><h3><strong>SBA 504\/CDC loan down payment<\/strong><\/h3><p><span style=\"font-weight: 400;\">If you secure an <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-504-loans\/\">SBA 504<\/a>\/CDC loan, you can expect to pay 10-20% for a down payment with a maximum of 30%. These loans can get you up to $5.5 million for major capital projects that will improve the community\u2019s economic situation through job creation or other means. Major capital projects include buying or improving commercial real estate or purchasing big equipment, among other projects.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">SBA 504\/CDC loans are different from other loans because they\u2019re funded by SBA-approved Capital Development Companies (CDCs) that put up 50% of the loan, a traditional financial institution, which puts up 40% of the loan, and the other 10% is funded by the borrower.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">This breakdown can change if the lender determines that the borrower should pay a larger percentage as a down payment, for example, if they\u2019re a startup or newer business. Also, if your local government is particularly interested in getting you to have your project in their town or state, they may offer to pay some of the down payment amount, too.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99e9a52 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"99e9a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/us.swoopfunding.ca\/get-started?fundingReason=fundingOnboarding&#038;version=v3\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5903335 elementor-widget elementor-widget-heading\" data-id=\"5903335\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to generate a down payment for an SBA loan\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18036f7 elementor-widget elementor-widget-text-editor\" data-id=\"18036f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Not every small business will have 10% of a large loan amount available for a down payment. Some profitable businesses may be able to cut costs for a few months to generate the money for down payments, but this may not be an option for everyone. Many business owners will use their own personal money to help finance the down payment for an SBA loan.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">If you don\u2019t have a large amount of personal money available or a large asset, such as a house, to sell to get the funds, there are other ways you can generate the money for your down payment.<\/span><\/p><h3><strong>Use your retirement savings as a Rollover Business Startup plan<\/strong><\/h3><p><span style=\"font-weight: 400;\">If you have retirement savings in a personal <a href=\"https:\/\/swoopfunding.com\/us\/business-loan-calculator\/401k-retirement-calculator\/\">401(k)<\/a> or IRA, you can use it to pay for your down payment by turning it into a <a href=\"https:\/\/swoopfunding.com\/us\/support-for-small-businesses\/what-are-robs\/\">Rollover Business Startup (ROBS)<\/a> plan. Unlike withdrawing the savings from your retirement account, using a ROBS plan allows you to transfer the money to another account which is then used to buy shares in your company.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The biggest drawback of using a ROBS plan is that your business has to be registered as a C Corporation. Otherwise, you won\u2019t be able to sell stock in your business. The next biggest drawback is that you\u2019re risking your retirement savings \u2013 and it could be a significant risk. But if you truly believe in your business plan, this can be a great way to put your money where your mouth is and go all in on your small business.\u00a0<\/span><\/p><h3><strong>Find an angel investor or use crowdfunding<\/strong><\/h3><p><span style=\"font-weight: 400;\">There are angel investors who will help small businesses cover the costs of starting or expanding their businesses. Angel investors usually have a large amount of money and will ask for a portion of the company in return. They may be more willing to cover the cost of a down payment for an SBA loan than the full cost of the loan.<\/span><\/p><p><span style=\"font-weight: 400;\">Crowdfunding is another way to raise money for a down payment. You can ask friends or family to invest in your business or use a platform like Kickstarter to get your project out to the greater public. You may need to offer shares of your business or some kind of product or service to your investors, but this is a popular way for businesses to fund projects, including down payments for SBA loans.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bab6733 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"bab6733\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/us.swoopfunding.ca\/get-started?fundingReason=fundingOnboarding&#038;version=v3\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f1ea0f e-flex e-con-boxed e-con e-parent\" data-id=\"3f1ea0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-723677c elementor-widget elementor-widget-heading\" data-id=\"723677c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Which SBA loans don't require a down payment?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6f117f elementor-widget elementor-widget-text-editor\" data-id=\"b6f117f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Many SBA loans don\u2019t typically require a down payment, especially if they\u2019re for smaller amounts or very specific purposes. Of course, this depends on the lender and the specific type of loan you get, so make sure you understand the terms of your loan.\u00a0<\/span><\/p><h3><strong>Microloans<\/strong><\/h3><p><span style=\"font-weight: 400;\">Most <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-microloans\/\">SBA microloans<\/a> don\u2019t require a down payment. These loans are usually for a much smaller amount \u2013 $50,000 or less \u2013 and are managed through non-profits. They\u2019re also aimed at small businesses that may have trouble qualifying for larger loans.\u00a0<\/span><\/p><h3><strong>CAPLines<\/strong><\/h3><p><span style=\"font-weight: 400;\">The SBA CAPLines program is an SBA 7(a) financing program that usually doesn\u2019t require a down payment. It\u2019s not technically a loan program, but instead extends a small business a line of credit to help them cover the regular costs of operating their business. Because the line of credit is used as the business needs it and not as a lump sum all at once, it doesn\u2019t really make sense to have a down payment in most cases.\u00a0<\/span><\/p><h3><strong>Disaster loans<\/strong><\/h3><p><span style=\"font-weight: 400;\">The SBA offers disaster loans to small businesses during times of declared disasters, such as the COVID-19 pandemic or after major events like earthquakes, fires or other natural disasters. None of the three SBA disaster loan types require a down payment.\u00a0<\/span><\/p><h3><strong>Export loans<\/strong><\/h3><p><span style=\"font-weight: 400;\">Most SBA Export Working Capital loans don\u2019t require a down payment. These loans let small businesses that qualify get up to $5 million and help give them flexibility in negotiating export payments.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37f8a75 e-flex e-con-boxed e-con e-parent\" data-id=\"37f8a75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5d20b4d e-flex e-con-boxed e-con e-child\" data-id=\"5d20b4d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6538e38 elementor-widget elementor-widget-heading\" data-id=\"6538e38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Find the right SBA loan for your business with Swoop<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8311197 elementor-widget elementor-widget-text-editor\" data-id=\"8311197\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Use Swoop to find the right SBA loan for your small business. Simply register onlinea, answer a few questions and get personalized recommendations on financing solutions.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6708bd0 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6708bd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/us.swoopfunding.ca\/get-started?fundingReason=fundingOnboarding&#038;version=v3\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bddaa04 e-flex e-con-boxed e-con e-parent\" data-id=\"bddaa04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f95c173 elementor-widget elementor-widget-heading\" data-id=\"f95c173\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SBA loan down payment FAQs\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-049d456 elementor-widget elementor-widget-text-editor\" data-id=\"049d456\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Below are some frequently asked questions (FAQs) about SBA loan down payments.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7785d06 uael-faq-box-layout-yes align-at-left elementor-widget elementor-widget-uael-faq\" data-id=\"7785d06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<div id='uael-faq-wrapper-125' class=\"uael-faq-wrapper\">\n\t\t\t\t<div class=\"uael-faq-container uael-faq-layout-accordion\" data-layout=\"accordion\" >\n\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-affdda4\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-left\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-affdda4 uael-question-span\" tabindex=\"0\" id=\"uael-faq-1-6a59b4ef3c933\">Do all SBA loans require a down payment?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p><span style=\"font-weight: 400;\">No, not all SBA loans require a down payment. For instance, disaster loans, export loans, most microloans and CAPLines don\u2019t require a down payment. However this may be up to the discretion of the lender, so it\u2019s important to discuss the terms of your loan with your lender.\u00a0<\/span><\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-39db6fc\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-left\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-39db6fc uael-question-span\" tabindex=\"0\" id=\"uael-faq-2-6a59b4ef3c997\">How much do you have to put down on a SBA 7(a) loan?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p><span style=\"font-weight: 400;\">The minimum down payment on a standard SBA 7(a) loan is 10%, but you may be required to pay more depending on the type of loan you get, the amount of money\u00a0<\/span><\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-2d38b17\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-left\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-2d38b17 uael-question-span\" tabindex=\"0\" id=\"uael-faq-3-6a59b4ef3c9c7\">Can you get an SBA loan without making a down payment?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p><span style=\"font-weight: 400;\">Yes. If you qualify for an SBA disaster loan or certain microloan programs, you won\u2019t need to make a down payment.\u00a0<\/span><\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89a99f3 elementor-widget elementor-widget-ucaddon_author_page\" data-id=\"89a99f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_author_page.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n <div class=\"info-user-post\">\n \n <div class=\"left-info\">\n <a href=\"https:\/\/swoopfunding.com\/us\/author\/kat-cox\/\" aria-label=\"Kat Cox\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2023\/03\/kat-cox-min.jpg\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2023\/03\/kat-cox-min.jpg?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"right-info\">\n <div class=\"inner-top\">\n <div class=\"info-top\">\n <div class=\"info-title\">\n <p>Written by<\/p>\n <p class=\"name-author\"><a href=\"https:\/\/swoopfunding.com\/us\/author\/kat-cox\/\">Kat Cox<\/a><\/h3>\n <\/div>\n <\/div>\n \n \n <\/div>\n <div class=\"info-bottom\">\n <p>As a B2B finance content specialist, Kat Cox's goal is to distill complicated financial issues into useful information for small business owners, to save them time they could be using to build their companies. Her work has been featured in Forbes and on financial health platform Nav.com. When she's not writing blogs, web copy, or fiction, Kat can be found walking her dog or singing karaoke in Austin, Texas.<\/p>\n <\/div>\n\n <ul class=\"social-links\">\n <li><a href=\"https:\/\/www.linkedin.com\/in\/katherinecox\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Linkedin\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-linkedin-min.svg\" width=\"30\" height=\"30\" alt=\"Linkedin\">\n <\/a><\/li>\n \n \n <li><a href=\"https:\/\/katcox.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\"Website\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-site-min.svg\" width=\"30\" height=\"30\" alt=\"Website\">\n <\/a><\/li>\n <\/ul>\n\n <div class=\"swoop-promise\">\n <p><strong>Swoop promise<\/strong><\/p>\n <p>At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple \u2013 to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.<\/p>\n <p>Find out more about Swoop\u2019s editorial principles by reading our <a href=\"https:\/\/swoopfunding.com\/us\/about-swoop\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n <\/div>\n\n <\/div>\n <\/div>\n\n \n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e669916 e-flex e-con-boxed e-con e-parent\" data-id=\"e669916\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6123f7 elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"d6123f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n\n <div class=\"container-auto-page-related\">\n <p class=\"title-related text-center\">Related pages<\/p>\n <div class=\"auto-page-related\">\n <ul>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/can-you-have-multiple-sba-loans\/\">Can you have multiple SBA loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/how-much-is-an-sba-loan-down-payment\/\">How much is an SBA loan down payment? <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/how-to-fill-out-sba-form-1919\/\">How to fill out SBA Form 1919 <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/how-to-fill-out-sba-form-413\/\">How to fill out SBA Form 413 <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/how-to-fill-out-an-sba-loan-forgiveness-application\/\">How to fill out an SBA loan forgiveness application <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/how-to-get-an-sba-loan\/\">How to get an SBA loan <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/ppp-sba-loans\/\">PPP SBA loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-504-loans\/\">SBA 504 loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-7a-loans\/\">SBA 7(a) loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-7a-vs-504-loans\/\">SBA 7(a) vs 504 loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-8a-program\/\">SBA 8(a) program <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/\">SBA Loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-patriot-express-loans\/\">SBA Patriot Express loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-business-acquisition-loans\/\">SBA business acquisition loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-community-advantage-loans\/\">SBA community advantage loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loan-equity-injection\/\">SBA equity injection <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-franchise-loans\/\">SBA franchise loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-hazard-insurance\/\">SBA hazard insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-line-of-credit\/\">SBA line of credit <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loan-application-process\/\">SBA loan application process <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loan-approval-rate\/\">SBA loan approval rate <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loan-approval-timeline\/\">SBA loan approval timeline <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loan-credit-score\/\">SBA loan credit score \u2013 what is required? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loan-forgiveness-for-self-employed-workers\/\">SBA loan forgiveness for self-employed workers <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loan-guarantees-explained\/\">SBA loan guarantees explained <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loan-lenders\/\">SBA loan lenders <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loan-rates\/\">SBA loan rates <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loans-for-veterans\/veterans-rates\/\">SBA loan rates for veterans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loan-requirements\/\">SBA loan requirements <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loans-for-llcs\/\">SBA loans for LLCs <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loans-for-minorities\/\">SBA loans for minorities <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loans-for-rental-properties\/\">SBA loans for rental properties <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loans-for-self-employed\/\">SBA loans for self-employed <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loans-for-veterans\/\">SBA loans for veterans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loans-for-women\/\">SBA loans for women <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loans-vs-conventional-loans\/\">SBA loans vs conventional loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-microloans\/\">SBA microloans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-real-estate-loans\/\">SBA real estate loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-startup-loans\/\">SBA startup loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-working-capital-loans\/\">SBA working capital loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-working-capital-loans\/pilot-program\/\">SBA working capital pilot program <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/what-happens-if-you-cant-pay-your-sba-loan\/\">What happens if you can&#8217;t pay your SBA loan? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/what-is-the-average-sba-loan-size\/\">What is the average SBA loan size? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-disaster-loan-denied\/\">Why has my SBA disaster loan been denied? <\/a>\n <\/li>\n <\/ul>\n <div class=\"container_bt\">\n <button class=\"bt_see_more\" href=\"javascript:void(0);\" aria-label=\"See more\">See more<\/button>\n <\/div>\n <div id=\"grey-out\"><\/div>\n <\/div>\n <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-446eac32 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"446eac32\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-747832c4\" data-id=\"747832c4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a50aafd elementor-widget elementor-widget-spacer\" data-id=\"6a50aafd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-266c5098 elementor-widget elementor-widget-heading\" data-id=\"266c5098\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Testimonials<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07dbc36 elementor-widget elementor-widget-ucaddon_testimonials\" data-id=\"07dbc36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_testimonials.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<style type=\"text\/css\">\/* widget:Testimonials *\/\n\n.testimony{\n margin:0;\n}\n.testimony .owl-theme .owl-dots .owl-dot.active span{\n background:;\n}\n\n.testimony .owl-theme .owl-dots .owl-dot:hover span{\n background:;\n}\n\n.testimony{\n\t content-visibility:auto;\n\t contain-intrinsic-size:445px;\n}\n .testimony .inner-testimony .read-mores{\n\t margin-left:15px;\n}\n .testimony .inner-testimony .icon{\n\t color:#eee;\n}\n .testimony .inner-testimony .icon-quotation-left{\n\t position:relative;\n\t top:-28px;\n\t left:0;\n}\n .testimony .inner-testimony .icon-quotation-right{\n\t position:relative;\n\t bottom:-28px;\n\t right:-8px;\n}\n .testimony .inner-testimony p{\n\t margin:0;\n\t color:#003e52;\n}\n .testimony .inner-testimony .testimony_description{\n\t padding:40px 0;\n}\n .testimony .inner-testimony .desc_testimony{\n\t font-size:24px;\n}\n .testimony .inner-testimony .author_testimony{\n\t font-size:18px;\n\t margin-top:20px;\n}\n .testimony .inner-testimony .role_testimony{\n\t font-size:18px;\n}\n .testimony .owl-theme .owl-nav .owl-prev{\n\t position:absolute;\n\t left:0;\n\t margin:-18px 0;\n\t top:50%;\n}\n .testimony .owl-theme .owl-nav .owl-next{\n\t position:absolute;\n\t right:0;\n\t margin:-18px 0;\n\t top:50%;\n}\n @media (max-width:992px){\n\t .testimony .inner-testimony{\n\t\t padding:40px 40px;\n\t}\n\t .testimony .inner-testimony .testimony_description{\n\t\t padding:0;\n\t}\n}\n @media (max-width:768px){\n\t .testimony{\n\t\t margin:50px 0 40px 0;\n\t}\n\t .testimony .inner-testimony .desc_testimony{\n\t\t font-size:19px;\n\t}\n\t .testimony .owl-dots{\n\t\t margin-top:30px !important;\n\t}\n\t .testimony .inner-testimony{\n\t\t padding:40px 0;\n\t}\n}\n\n<\/style>\n\n\t\t\t<div class=\"container\">\n <div class=\"testimony\">\n <div class=\"row justify-content-center\">\n <div class=\"col-xl-8 col-lg-10\">\n <div class=\"inner-testimony text-center\">\n <div id=\"owl-testimony\" class=\"owl-carousel owl-theme\">\n <div class=\"item\">\n <div class=\"testimony_description\">\n <p class=\"desc_testimony italic\"><i class=\"icon icon-quotation-left\"><\/i>Daire made it happen! There is no doubt that Swoop sped up the process and found lenders that worked to our time scale rather than the other way round<i class=\"icon icon-quotation-right\"><\/i><\/p>\n <p class=\"author_testimony\">Hocque Figureoa<\/p>\n <p class=\"role_testimony\">Joint owner, F45 Virginia<\/p>\n <\/div>\n<\/div>\n<div class=\"item\">\n <div class=\"testimony_description\">\n <p class=\"desc_testimony italic\"><i class=\"icon icon-quotation-left\"><\/i>Swoop was actually very helpful in helping us get our initial fundraising in place. Swoop was able to connect us with investors, with grant financing options and debt financing options.<i class=\"icon icon-quotation-right\"><\/i><\/p>\n <p class=\"author_testimony\">Viler Lika<\/p>\n <p class=\"role_testimony\">Founder, SingleKey<\/p>\n <\/div>\n<\/div>\n<div class=\"item\">\n <div class=\"testimony_description\">\n <p class=\"desc_testimony italic\"><i class=\"icon icon-quotation-left\"><\/i>Pedja was amazing. Super supportive, understanding of our needs and wasn't pushy at all. We've been going back and forth with Swoop for over a year inquiring about different financing options and they were patient until we were ready!<i class=\"icon icon-quotation-right\"><\/i><\/p>\n <p class=\"author_testimony\">Chris Skeates<\/p>\n <p class=\"role_testimony\">F45 Multi-studio owner<\/p>\n <\/div>\n<\/div>\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-56774de e-con-full e-flex e-con e-parent\" data-id=\"56774de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-789b0ed elementor-widget elementor-widget-spacer\" data-id=\"789b0ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d462385 elementor-widget elementor-widget-template\" data-id=\"d462385\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"11997\" class=\"elementor elementor-11997\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-b8ace09 e-con-full e-flex e-con e-parent\" data-id=\"b8ace09\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2e25523 e-flex e-con-boxed e-con e-child\" data-id=\"2e25523\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-da46449 e-con-full e-flex e-con e-child\" data-id=\"da46449\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d875f85 elementor-widget elementor-widget-heading\" data-id=\"d875f85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Ready to grow your business?<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a64d0f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7a64d0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div 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data-template-id=\"53aa8807dec7e10d38f59f32\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"95px\" data-style-width=\"160px\" data-theme=\"dark\" data-token=\"75678bf0-071e-4356-8a6b-93beb5a68f32\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e33888c e-con-full cta-mobile-fixed elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet e-flex e-con e-parent\" data-id=\"e33888c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;fixed&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7b5868 elementor-widget elementor-widget-ucaddon_floating_cta\" data-id=\"d7b5868\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_floating_cta.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<style type=\"text\/css\">\/* widget:Floating CTA *\/\n\n.container-floating-cta a{\n font-weight:700;\n border-style:solid;\n border-width:1px 1px 1px 1px;\n color:#FFFFFF;\n border-radius:50px 50px 50px 50px;\n width:100%;\n text-align:center;\n display:block;\n padding:6px 24px;\n transition:all 0.3s;\n}\n\n.container-floating-cta a:hover{\n background:#fff;\n color:#003E52;\n text-decoration:none;\n}\n\n.trustpilot-widget-floating-cta{\n margin-top:12px;\n}\n\n<\/style>\n\n\t\t\t\n<div class=\"container-floating-cta\">\n <a href=\"https:\/\/us.swoopfunding.ca\/get-started?fundingReason=fundingOnboarding&#038;version=v3\" class=\"btn-floating-cta\" target=\"_blank\" rel=\"noopener\">Get started<\/a>\n<\/div>\n\n<div class=\"trustpilot-widget-floating-cta\">\n \n <script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n \n\n \n <div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b732fbfb950b10de65e5\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"24px\" data-style-width=\"100%\" data-theme=\"dark\" data-token=\"6307e816-53aa-4589-828c-b174e8417264\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n <\/div>\n \n<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"author":75,"featured_media":0,"parent":0,"template":"elementor_header_footer","sba-loans-sectors":[343],"class_list":["post-22969","sba-loans","type-sba-loans","status-publish","hentry","sba-loans-sectors-sba-guidance"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_blog_full":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>How much is an SBA loan down payment? Join Swoop Key Takeaways SBA loans often require a down payment of 10\u201330%, depending on the loan type and borrower risk profile.SBA 7(a) loans typically require 10%, while 504\/CDC loans require 10\u201320%, with some exceptions and external support possible.Alternatives for raising down payments include personal funds, retirement savings via ROBS plans, angel investors, and crowdfunding; some SBA loans (e.g., microloans, CAPLines, disaster loans) may not require down payments. See Andrea&#8217;s profile The size of the down payment depends on how much money the loan is for and what type of loan it&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Kat Cox","url":"https:\/\/swoopfunding.com\/us\/author\/kat-cox\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/sba-loans\/22969","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/sba-loans"}],"about":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/types\/sba-loans"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/users\/75"}],"version-history":[{"count":30,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/sba-loans\/22969\/revisions"}],"predecessor-version":[{"id":46049,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/sba-loans\/22969\/revisions\/46049"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/media?parent=22969"}],"wp:term":[{"taxonomy":"sba-loans-sectors","embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/sba-loans-sectors?post=22969"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}