NEI Business Capital ยท Lowest cost of capital

SBA 7(a) & 504 — strong terms for serious growth.

Government-backed loans offer some of the longest terms and most competitive pricing available to small business. We help qualifying companies prepare a clean file and connect to preferred SBA lenders.

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Two SBA paths, matched to the use
7(a)

🏛️ SBA 7(a)

The flagship, flexible SBA program — working capital, business acquisition, partner buyouts, refinancing, and more.

  • Longer terms, lower monthly burden
  • Working capital or acquisition
  • Competitive, government-backed pricing
504

🏢 SBA 504

Purpose-built for major fixed assets — owner-occupied commercial real estate and heavy equipment.

  • Owner-occupied real estate
  • Large equipment purchases
  • Long, fixed-rate structures
What SBA is great for

Buying a business

Acquire an existing company or buy out a partner with longer repayment and manageable payments.

Owning your building

Purchase owner-occupied commercial real estate instead of renting (504 often fits).

Expansion

Fund a major growth step — a new location, large equipment, or a significant hire-and-build.

Signals lenders look for

✅ Eligibility basics

  • 2+ years in business (exceptions exist)
  • Positive cash flow / profitability
  • Owner credit in reasonable shape
  • For-profit, U.S.-based business

📝 What to have ready

  • Business & personal tax returns
  • Year-to-date financials
  • Debt schedule & use-of-funds
  • For 504/RE: property details

🤝 How we help

  • Prepare a clean, lender-ready file
  • Match to preferred SBA lenders
  • Guide you through the process
  • Keep it moving to the finish

General guidance only — SBA eligibility and terms are set by the SBA and the lender, not by NEI.

Think SBA might be your path?

Tell us about the business and the use of funds — we'll point you to the right SBA lender.

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