The SBA 7(a) Loan (via Lender Match) Established Business is a business loan from SBA 7(a) Loan (via Lender Match). The annual fee is SBA guarantee fee (varies). The ongoing APR is Prime + 2.25% - 2.75%. Approval typically requires a credit score of 680 or higher. Typical credit limit: $5,000 - $5,000,000. Loan terms: Get $500 to $5.5 million to fund your business. This product reports activity to your personal credit report. Government-backed with low rates. Maximum 25-year term for real estate, 10 years for equipment/working capital. Requires good credit and business plan. Apply through SBA Lender Match. SBSS SCORE: SBA 7(a) loans under $500K are pre-screened using the FICO SBSS score (0-300 range) — most lenders require minimum 155. Loans over $500K go through full manual underwriting. The SBSS combines your personal FICO, business credit reports (D&B, Experian Business), and application data.