Commercial Lending Services
Comprehensive SBA loans and commercial financing solutions tailored to your business. From startup capital to expansion funding, we're your trusted lending partner.
SBA 504 Loans
Perfect for commercial real estate purchases and major equipment financing with low down payments anywhere in the USA.
SBA 7(a) Loans
Versatile financing for businesses needing working capital, equipment, and acquisition funding.
Equipment Financing
Secure financing for essential business equipment with fast approvals for businesses across America.
Business Lines of Credit
Flexible working capital solutions for small businesses.
Commercial Real Estate Loans
Financing for purchasing, refinancing, or improving commercial properties throughout the United States.
Business Acquisition Loans
Acquire existing businesses or franchise opportunities anywhere in America with specialized financing.
Our Process
Initial Consultation
We discuss your business needs and financing requirements to determine the best loan program.
Application & Documentation
Submit your application with our guidance on required documentation to streamline the process.
Underwriting & Approval
Our team works with lenders to get your application approved quickly and efficiently.
Funding
Once approved, we coordinate the closing process and funding of your loan.
Why Choose 3A Lending?
Fast Approval Process
Get pre-qualified in 24 hours with our streamlined digital application process.
Competitive Rates
Access to multiple lenders ensures your business gets the best rates available.
Expert Guidance
Our expert team provides individual guidance that's tailored to your needs.
Flexible Terms
Customized loan structures designed for your business cash flow patterns.
Which SBA Loan Is Right for My Business?
What is the difference between an SBA 504 and SBA 7(a) loan?
SBA 504 loans are designed for fixed-asset purchases like commercial real estate and heavy equipment, offering fixed rates with as little as 10% down. SBA 7(a) loans are more versatile and can fund working capital, equipment, real estate, and acquisitions up to $5M, but typically carry variable rates tied to the Prime Rate.
How do I know if my business qualifies for SBA financing?
Most for-profit U.S. businesses that meet SBA size standards can qualify. Key factors include time in business, annual revenue, credit score, and the purpose of the loan. Our free pre-qualification process takes 10 minutes and gives you an answer within 24 hours — with no impact on your credit score.
How long does it take to get approved for a business loan?
Pre-qualification takes 24 hours. Full approval timelines vary by program: equipment financing can close in as little as 2 weeks, while SBA 504 and 7(a) loans typically take 30-90 days from application to funding depending on the complexity of the deal and documentation readiness.
Does 3A Lending charge fees for pre-qualification?
No. Pre-qualification through 3A Lending is completely free with no obligation. We only earn a fee if and when your loan successfully closes through one of our lending partners. There are no upfront costs to explore your financing options.
Ready to Get Started?
Contact our lending experts today to discuss your financing needs and get pre-qualified within 24 hours.