We offer a wide variety of U.S. Small Business Administration (SBA) financing solutions to support your business when a conventional loan or line of credit doesn’t quite fit your needs. As an SBA Preferred Lender, we’ll provide the tools and information you need to make an informed decision that’s right for your business. You can be confident that your application will be reviewed by lenders who know the business of SBA lending and can guide you through the process.

Considering an SBA loan? Here’s what you need to know. SBA loans provide great options for just about any business that is growing, especially when you need:

  • A lower down payment
  • A longer term in order to afford payments
  • The ability to overlook a collateral deficiency

Our SBA loan solutions are eligible for many different uses including:

  • Purchasing owner-occupied real estate
  • Financing owner-occupied construction
  • Tenant improvements
  • Financing exporters
  • Business acquisitions
  • Financing equipment
  • Financing capital equipment
  • Financing business expansion
  • Financing business debt
  • Financing temporary working capital
  • Starting a business or franchise

To learn more about eligible uses or eligibility requirements, please visit our Eligibility Page.

SBA Program

SBA 504 (10-Year Debenture)

Uses

Capital Equipment

Bank Fees

Varies: typically 0.5% – 1 % of the bank portion

SBA Fees

0.5% of the bank portion, plus approximately 2.65% of SBA’s portion1

SBA Program

SBA 504 (20- or 25-Year Debenture)

Uses

Real Estate2

Bank Fees

Varies: typically 0.5% – 1% of the bank portion, more if construction loan

SBA Fees

0.5% of the bank portion, plus approximately 2.65% of SBA’s portion1

SBA Program

7a Small & 7a Large Loans

Uses

General Purpose Term Loan

Bank Fees

Packaging Fee: Capped at $2,500

Construction loans may require extraordinary servicing fee of 1%

SBA Fees

Guaranty Fees
Loans up to $500,000: waived through 9/30/2023
Loans $500,001 – $5,000,000: Loans with terms up to 12 months (no renewals) – 0.25%; Loans with terms longer than 12 months – varies on the size of loan3

Veteran’s Advantage

SBA Program

SBA Express

Uses

General Purpose Lines of Credit

Bank Fees

Packaging Fee: Capped at $2,500

Construction loans may require extraordinary servicing fee of 1%

SBA Fees

Guaranty Fees
Loans up to $500,000: waived through 9/30/2023
Loans $500,001 – $5,000,000: Loans with terms up to 12 months (no renewals) – 0.25%; Loans with terms longer than 12 months – varies on the size of loan3

Veteran’s Advantage
For businesses owned 51% or more by veterans and their spouses
SBAExpress lines up to $350,000 – waived Other 7a loans $125,000 – $350,000 – 50% discount

SBA Program

Working Capital CAPline

Uses

General Purpose Lines of Credit

Bank Fees

0.5% – 1% annually

SBA Fees

Guaranty Fees
Loans up to $500,000: waived through 9/30/2023
Loans $500,001 – $5,000,000: Loans with terms up to 12 months (no renewals) – 0.25%; Loans with terms longer than 12 months – varies on the size of loan3

SBA Program

Export Express

Uses

Exports

Bank Fees

Packaging Fee: Capped at $2,500

SBA Fees

Guaranty Fees
Loans up to $500,000: waived through 9/30/2023
Loans $500,001 – $5,000,000: Loans with terms up to 12 months (no renewals) – 0.25%; Loans with terms longer than 12 months – varies on the size of loan3

SBA Program

International Trade Loan

Uses

Exports

Bank Fees

Packaging Fee: Capped at $2,500

SBA Fees

Guaranty Fees
Loans up to $500,000: waived through 9/30/2023
Loans $500,001 – $5,000,000: Loans with terms up to 12 months (no renewals) – 0.25%; Loans with terms longer than 12 months – varies on the size of loan3

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1Prepayment: SBA’s portion may only be prepaid in whole, but the bank’s portion may be prepaid in part or whole. SBA charges a declining prepayment penalty for the first 10 years on real estate and for the first 7 years on equipment loans. 3There is no program minimum, but because of other products that fill smaller needs, this is typically the maximum. 3$150,001-$750,000: 3% of guaranteed amount, $750,000 – $5,000,000: 3.5% of the first $1,000,000 guaranteed, plus 3.75% of guarantee in excess of $1,000,000