SBA Lending

Get the support you need from our SBA Lending attorneys

Do you need SBA lending support?

Our SBA Lending Practice provides comprehensive legal services to lenders, borrowers, and Certified Development Companies (CDCs) involved in Small Business Administration (SBA) loan transactions. With experience in SBA 7(a), 504, and SBA Express loan programs, our attorneys and experienced staff guide clients through every stage of the process—from loan closing, servicing, workouts, liquidation, and bankruptcy.  

We work closely with banks, credit unions, non-bank lenders, and small business owners to ensure that SBA loan transactions are properly documented, secured, and closed promptly. Whether you are navigating collateral issues, real estate title and survey review, or change of ownership transactions, our team delivers practical, solutions-driven counsel grounded in legal knowledge and industry experience.

What we offer:

We provide legal representation for lenders, borrowers, and CDCs in SBA lending matters, including:

• Loan closings with accurate and timely preparation of required documentation.
• Servicing matters such as modifications, renewals, and assumptions.
• Workouts and liquidation strategies for distressed loans.
• Guidance on collateral matters, liens, and guarantees.
• Representation in change of ownership transactions and business acquisitions.
• Litigation and bankruptcy representation to recover collateral and deficiency judgments.ed.

What is SBA lending?

SBA lending involves specialized loan programs backed by the U.S. Small Business Administration that provide financing options for small businesses. These programs, such as the 7(a) loan program, 504 loan program, and SBA Express, are designed to expand access to capital for business owners while providing protections for lenders. 

Each program has its own structure and benefits, but all require careful attention to documentation, eligibility requirements, and closing procedures. Our attorneys help ensure these loans are handled efficiently and in compliance with SBA program rules, so that lenders, borrowers, and CDCs can focus on achieving their financial and business goals.

How can we help?

At ZKS, our experienced SBA attorneys provide comprehensive legal support throughout the SBA loan process. We draft and review necessary loan documents, represent clients in negotiations, and provide ongoing support during servicing and, when necessary, liquidation and bankruptcy.

Our firm understands the unique challenges of SBA transactions and works to streamline closings, mitigate risk, and provide clear guidance at every stage. By combining legal insight with practical experience, we help lenders and borrowers move forward with confidence.