Qualifying
How do I get a $750,000 business loan?
$750K is SBA 7(a) and conventional commercial lending territory. Lenders require 700+ FICO, 3+ years in business, $250K–$300K/month in revenue, full tax returns, DSCR above 1.25x, and collateral. Personal guarantees from all 20%+ owners are standard at this size.
The full picture
$750K: Senior Commercial Lending — SBA 7(a) and Conventional Bank Channels
$750,000 is solidly in senior commercial lending range. SBA 7(a) is the most accessible government-backed path — up to $5M, government-guaranteed, with competitive long-term rates. Conventional bank term loans at this size are available to businesses with strong banking relationships and two to three years of profitable operations. Non-bank commercial lenders can provide $750K for creditworthy businesses at higher cost and faster timelines.
What Products Fit a $750,000 Loan
SBA 7(a) loans provide the strongest terms at this size: rates set at Prime + lender spread (maximums set by SBA), terms up to 10 years for working capital or 25 years for commercial real estate, with the SBA guaranteeing 75% for loans over $150K (85% at or below). Conventional bank term loans match or beat SBA rates for the strongest borrowers but require collateral and full underwriting. SBA 504 loans are available if the $750K is for owner-occupied commercial real estate or major equipment — structured as a bank loan plus CDC debenture with fixed long-term rates.
What Lenders Look for at This Size
At $750K, the underwriting bar is high. Lenders typically require: 700+ personal FICO (720+ for best terms), 3+ years in business, 2–3 years of business tax returns showing profitability, DSCR of 1.25x–1.35x, $250,000–$300,000/month in revenue, collateral (real estate, equipment, business assets) strongly preferred, and personal guarantees from all owners with 20%+ equity. Some SBA lenders also require a business plan or use-of-proceeds statement for loans at this size.
- 700–720+ personal FICO score
- 3+ years in business with 2–3 years of profitable tax returns
- DSCR of 1.25x–1.35x or higher
- $250K–$300K/month in gross revenue
- Collateral: real estate, equipment, or business assets
- Year-to-date profit and loss statement and balance sheet
- Personal financial statement for all 20%+ owners
- Personal guarantee from all 20%+ owners
Apply at ClearValue Lending
ClearValue Lending routes $750K loan requests to the right channel — SBA 7(a), SBA 504, or conventional commercial lender — based on your financials and use of proceeds. One application, one routing decision: apply at ClearValue Lending.
Sources
- SBA 7(a) loans are available up to $5 million, with an 85% government guarantee for loans at or below $150,000 and 75% for loans above that threshold. Rates are negotiated between borrower and lender, subject to SBA maximums tied to the Prime Rate. — SBA — 7(a) Loans
- The SBA 504 Loan Program provides long-term, fixed-rate financing for major fixed assets — typically owner-occupied commercial real estate or large equipment — structured as a conventional first mortgage plus a CDC-issued debenture. — SBA — 504 Loans
- The Federal Reserve H.8 release tracks commercial and industrial loan balances at U.S. commercial banks — the primary aggregate data source for business lending activity at sizes like $750K. — Federal Reserve — H.8 Release
Key takeaways
- $750K is senior commercial lending territory — lenders expect 700+ FICO, 3+ years in business, and DSCR of 1.25x or higher.
- SBA 7(a) is the most accessible path: government guarantee reduces lender risk and enables longer terms than conventional products.
- SBA 504 is the right product if the $750K is for owner-occupied commercial real estate or major long-lived equipment.
- Full documentation is required: 2–3 years of tax returns, YTD P&L, balance sheet, bank statements, and personal financial statements.
- ClearValue Lending routes $750K applications to the funding partners best matched to them. Estimate your monthly payment with our business loan calculator.
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Published 2026-05-22 · Updated 2026-08-20 · https://clearvaluelending.com/answers/how-to-get-a-750000-business-loan