$750K is SBA 7(a) and conventional commercial lending territory. Lenders require 700+ FICO, 3+ years in business, $250Kâ$300K/month in revenue, full tax returns, DSCR above 1.25x, and collateral. Personal guarantees from all 20%+ owners are standard at this size.
$750,000 is solidly in senior commercial lending range. SBA 7(a) is the most accessible government-backed path â 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.
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 $350K. 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 â structured as a bank loan plus CDC debenture with fixed long-term rates.
At $750K, the underwriting bar is high. Lenders typically require: 700+ personal FICO (720+ for best terms), 3+ years in business, 2â3 years of business tax returns showing profitability, DSCR of 1.25xâ1.35x, $250,000â$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.
ClearValue Lending routes $750K loan requests to the right channel â SBA 7(a), SBA 504, or conventional commercial lender â based on your financials and use of proceeds. One application, one routing decision