SBA Lending
Trust your business to a Preferred SBA Lender.
Ready to apply? Our small business team is here to assist you. Call us at 800-244-7592 or complete the form below to get started.
Is an SBA loan right for you?
How SBA loans work
Small Business Administration (SBA) loans are government-backed loans up to $5 million. The government guarantees repayment of a portion of the loan, which caps interest rates and limits fees, all designed to help small businesses grow and expand.
Often a good option when real estate is part of a business purchase, but it can also be used for working capital, refinancing debt or purchasing fixtures and supplies. 504 loans are long-term, fixed rate financing for major fixed assets that promote business growth and job creation.
For more details, visit our How SBA Loans Work article.
SBA loan benefits
Whether it's an SBA 7(a) loan or SBA 504 loan, these small business loans can have great advantages over conventional loans. Advantages of SBA loans include:
- Longer repayment terms than traditional financing.
- Allows for more flexible timelines.
- Lower down payments. Makes upfront costs more affordable.
- Lower down payments
- Fixed rates
- Full amortizations available
How to apply
Check out How to prepare your SBA loan application article on our business hub. Have some questions before you apply? Our small business team is here to assist. Give us a call at 800-244-7592 or complete the form below to get started.
Who can apply?
You must be a small business and:
- Operate as a for-profit company in the United States
- Have a net worth of less than $15 million
- Have an average net income of less than $5 million after federal income taxes for the two years preceding your application
- Not be delinquent on any existing debt obligations to the U.S. government
Calculate your payments
Estimate your monthly payment so you can budget and plan your cash flow.
Find the right loan
Not sure what type of loan you're looking for? The loan selector can help you get started.
Have questions?
We're here to help you reach your business goals. Contact our team to get started.
Ready to apply?
Our small business team is here to assist. Give us a call at 800-244-7592 or complete the form below to get started.
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