Can You Finance More Than $5M with SBA? Yes—Up to $8M with the Right Structure.

While $5 million is the typical SBA 7(a) loan cap, some buyers can go above that threshold with a pari passu structure—where an SBA lender includes an additional conventional loan component (up to $3 million) within the same term sheet, on the same terms and payment schedule. In total, that can mean up to $8 million in combined senior bank financing. It’s not an option for every deal—but if you can demonstrate: – A strong financial profile – Solid post-close liquidity – A deal that underwrites cleanly with 1.60x+ DSCR (the common threshold we see among SBA lenders doing pari passu structures) …then there are SBA lenders who will take a serious look. Yes, the lender pool is smaller, and execution precision matters—but if you're targeting $6M–$8M in total bank financing through a combination of SBA + conventional lending, don’t assume it’s out of reach. Want to explore creative structures? https://calendly.com/alan-pioneercap