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SBA Guaranteed Loans

SBA guaranteed loans offer small business owners financing on more favorable terms for a variety of business purposes. Lower down payments and longer repayment terms mean more of the business working capital stays in the business where it can generate additional profits for your business.

There are three loan programs that offer distinctive advantages, depending on your business needs:

SBA 7(a) Program - Offers flexible term financing for virtually any business purpose with variable rates, long-term repayment (up to 25 years), and higher leverage for qualified business owners. Excellent choice for buying or building real property, acquiring a business enterprise, or buying equipment for your business. Maximum loan $2,000,000.

SBA 504 Program - Offers long-term financing solutions specifically aimed at acquiring capital assets for business expansion. Use 504 loans for fixed rate acquisition or construction loans for real property, or for acquisition of capital equipment assets. Some additional restrictions required related to job creation. Maximum loan $6,000,000.

SBA Express Program - Offers flexible line of credit financing, with term loan payout (up to 7 years) for business working capital or smaller business credit needs. Maximum loan $350,000.