Small Business Administration (SBA) Loans

Small Business Administration (SBA) loans can offer a wide array of lending options for owner-operated and managed for-profit businesses. SBA loans can help provide business funding to a variety of industries such as manufacturing, wholesale, retail, and service.

Man in Warehouse

SBA 7(a) Loan

As a business owner, your role in our economy is vital. SBA 7(a) loans are the most widely used SBA loans and can provide borrowers a more flexible loan structure with longer repayment periods and lower down payments. For an SBA loan a business must be defined as a "small business" by the SBA and be operating for a profit within the U.S. or its possessions.

A 7(a) loan is best for:

  • Business acquisition
  • Equipment financing
  • Commercial real estate
  • Leasehold improvements
  • Inventory
  • Debt restructuring
  • Working capital
Woman business owner

SBA 504 Loan

An SBA 504 loan is used for commercial real estate financing for owner-occupied properties. Additionally businesses can use a 504 loan to finance equipment and other fixed assets, such as fixtures, furnishings and machinery, in conjunction with purchasing real estate property.

 A 504 loan is best for:

  • Financing for larger real estate projects
  • Land acquisition and ground-up construction
  • Expansion of an existing building
  • Building improvements
  • Fixed asset purchases


For updated information on the CARES ACT please refer to the Small Business Administration (SBA) relief options available.(click here)

SBA Loans Overview

SBA loan programs allow for fixed or adjustable rate terms depending on the use of the proceeds. Maximum terms range from seven years for working capital to 25 years for buildings and real estate.

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