How much down payment for a business loan?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

Most alternative lender products require no down payment. Equipment financing typically requires 10-20% down (some lenders offer 100% financing). SBA loans require 10-20% down. Commercial real estate loans require 20-30% down. Working capital, MCAs, and lines of credit have no down payment.

Key Details

  • Working capital: 0% down
  • MCA: 0% down
  • Line of credit: 0% down
  • Equipment financing: 0-20% down
  • SBA loans: 10-20% down
  • Commercial real estate: 20-30% down
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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