Sal Cabibo (scabibo@mwregionalbank.com) is a Vice-President at Midwest Regional Bank (mwrbank.com) and specializes in SBA 7a loans for the Southern Arizona market. These loans, in the amounts of $150,000 to $5 million, are primarily for the purchase of owner-occupied commercial real estate, business acquisition, refinance, equipment, working capital and in some instances, startup businesses. The benefits of the 7a loan are lower down payment requirements, longer terms and reduced time for prepayment penalties on real estate loans.