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SBA Lending

Lending solutions for your small business

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Through the SBA lending program, newer businesses or established businesses that do not quite meet traditional financing requirements can find a flexible loan that will meet their needs.

SBA loan products offered

SBA 7a

This felxible general purpose loan can be used for owner ocupied commercial property, equipment, inventory, working capital, debt refinance, start-ups and business expansions.

SBA CAPLine

SBA CAPLine helps small businesses meet short-term cyclical working needs with specific solutions for working capital, seasonal fluctuations, contracts and builders.

SBA Express

This SBA loan features an accelerated turnaround time for SBA review. Up to $350,000.

SBA 504

This loan was designed specifically for financing owner-occupied commercial property and equipment.

Benefits of SBA Loans

Longer terms
Longer terms available, depending on use of loan.
Lower down payments
Lender loan limits apply, up to 90% of eligible project costs and businsess needs covered by the loan.
Can be used for a variety of purposes
Uses include, owner-occupied commercial property, equipment, inventory, working capital, debt refinance, start-up businesses, general business purposes.
Easier to qualify than traditional loans
A variety of businesses including small or newer ones can qualify for an SBA loan.
SBA Team
SBA Lending

Contact our SBA specialists to learn if an SBA loan is right for your business

Compare your options

Compare your options
SBA CAPLine
SBA 7a
SBA 504
Consists of two loans, the first is the Bank loan and the second is the SBA
Maximum Loan Amount $5,000,000 $5,000,000 1) No limit other than Bank's limit on loans to one borrower
2) $5,000,000
SBA Guaranty 85% for loans of $150,000 or less
75% for loans over $150,000
Maximum guaranty of $3,750,000
85% for loans of $150,000 or less
75% for loans over $150,000
Maximum guaranty of $3,750,000
1) No guaranty
2) Backed by 100% SBA guaranty
Borrower Injection N/A Minimum 10%, more for special purpose or start-up businesses Minimum 10%, more for special purpose or new businesses under 2 years old
Maturity 10 years for Working Capital, Contract, or Seasonal CAPLine
5 years for Builder's CAPLine
Based on use of proceeds; 25 year maturity/amortization for real estate Based on use of proceeds. For real estate:
1) 10 year maturity (25 year amortization)
2) 20 year maturity / amortization
Fees No fees on loans of $150,000 or less
Calculated at 3.50% of the guaranteed amount up to $1,000,000 and 3.75% of the guaranteed amount over $1,000,000

Example fee for $5,000,000: $138,125 (equates to 2.76% of loan amount)


No fees on loans of $150,000 or less
Calculated at 3.50% of the guaranteed amount up to $1,000,000 and 3.75% of the guaranteed amount over $1,000,000

Example fee for $5,000,000: $138,125 (equates to 2.76% of loan amount)
1) Standard Bank Fees
2) Varies and depends on terms provided by CDC/SBA. Typically 2.00 to 2.25% of loan. All fees are financed
Prepayment Penalty None 3 years for loans with maturities over 15 years
5% year 1, 3% year 2, and 1% year 3
1) Standard Bank Prepayment Penalty
2) 10 year prepayment penalty for loans with maturities of 20 years (declining penalty % each year)
In general, prepayment penalty in effect for half the term of the loan
Use of Proceeds Working Capital CAPLine: Revolving line of credit

Seasonal CAPLine: Finance seasonal increases of accounts receivable and inventory

Contract CAPLine: Finance all costs of one or more specific Contractor projects

Builder's CAPLine: Finance direct costs with building a commercial or residential structure
Expansion/renovation; new construction, purchase land or buildings; purchase equipment, fixtures, lease-hold improvements; working capital; refinance debt for compelling reasons; inventory or starting a business Long-term, fixed-asset loans
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