SBA Small Business Loans

SBA loans have been a key to many sucessful local businesses. An SBA, Small Business Administration, loan is guaranteed in part by the U.S. government and can offer unique benefits such as lower monthly payments, longer repayment terms and financing applicable fees.

SBA Express

Features

  • Maximum loan amount up to $350,000
  • Reduced SBA eligibility documentation required
  • Accelerated Processing
  • Revolving Lines of Credit or Term Loans
  • Working Capital up to 7 years
  • Equipment up to 10 years
  • Real Estate up to 25 years
  • SBA fees can be financed

Uses

  • Business Acquisition
  • Expansion or Renovation
  • Working Capital
  • Inventory
  • Equipment
  • Debt Refinance

SBA Express Lender

Export Express

The Export Express program provides assitance to small business owners that export goods and plan to expand or enter new overseas markets.

Features

  • Maximum loan amount up to $500,000
  • Reduced SBA eligibility documentation required
  • Accelerated Processing
  • Revolving Lines of Credit or Term Loans
  • Working Capital up to 7 years
  • Equipment up to 10 years
  • Real Estate up to 25 years
  • SBA fees can be financed

Uses

  • Standby Letters of Credit
  • Business Acquisition
  • Expansion or Renovation
  • Working Capital
  • Inventory
  • Equipment
  • Debt Refinance
CDC (504)

The Certified Development Company (CDC) 504 program provides fixed asset financing for businesses needing long-term equipment purchases or to acquire, construct or improve owner-occupied real estate that meets the following criteria:

  • 51% occupancy existing building
  • 60% occupancy new construction

Features

  • 10 years for Equipment
  • 20 years for Real Estate
  • Long-term financing with as low as a 10% down payment
  • SBA fees can be financed

Uses

  • Real Estate (Owner-Occupied)
  • Long-Term Fixed Assets, useful life of 10 or more years
  • Debt Refinancing
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SBA Small Business Loans