AmericaSpeaks TheVoiceOfJoyce Some Good news. Section 7A of the SBA lends to small businesses without collateral & to existing businesses that want to expand. This is a great time for entrepreneurs, if you close on these loans before 9/27/20. You can pick up working Capital inexpensively. Many of the fees are forgiven in the first 6 mos. , worth a look? These loans can be used for real estate investment too! Payable in 7 years.