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SBA Loan Options

Not sure which SBA loan to choose? Take a look at our SBA product selection below to get an idea of which loan best fits your needs. To discuss your options in detail, contact one of our SBA loan experts today.

Product Benefits Use of Proceeds Pricing SBA Guarantee Other
7(a) Loans
  • Longer maturity terms
  • Lower down payment
  • Loan amounts up to $5MM
  • SBA fees can be financed
  • No origination fee
  • Purchase, construct or renovate owner-occupied commercial real estate
  • Purchase of machinery and equipment for business use
  • Business acquisition
  • Business expansion
  • Debt refinance
  • Working capital
  • Business start-up
Fixed or variable rate options  available SBA guarantees 75%  Prepayment penalty if the loan term is 15 years or more
​7(a) Small Loans
  • ​Longer maturity terms
  • Accelerated application process
  • Loan amounts up to $350M
  • No SBA fees if under $150M
  • SBA fees can be financed
  • No origination fee
  • ​Purchase of machinery and equipment for business use
  • Business acquisition
  • Debt refinance
  • Working capital
  • Business start up
​Fixed and variable rate options available  ​SBA guarantees 75% or 85%
​Working Capital and Seasonal CapLines
  • ​Line amounts start at $350M with a total loan limit of $5MM
  • Up to a 10 year term
  • Accelerated application process
  • No origination fee
  • ​Revolving line of credit to provide for short term working capital needs
​Variable rate ​SBA guarantees 75%
​SBA Express Loan
  • ​Up to 7 year term
  • Loan amounts up to $350M
  • Accelerated application process
  • No SBA fees if under $150M
  • No origination fee
  • ​Business expansion
  • Debt refinance
  • Business real estate acquisition
  • Working capital lines of credit
  • Inventory/equipment purchases
​Fixed and variable rate options available  ​SBA guarantees 50%
​Veterans Advantage
  • ​Loan amounts up to $350M
  • Accelerated application process
  • No guarantee fee
  • No origination fee
  • ​Business expansion
  • Debt refinance
  • Business real estate acquisition
  • Working capital lines of credit
  • Inventory/equipment purchases 
​Fixed and variable rate options available ​SBA guarantees 50% ​Verification of Veteran status required
​504 Loan
  • ​Up to 20 years on Real Estate
  • Up to 10 years on machinery or equipment
  • No cap on project size 
  • ​Land acquisition
  • Building acquisition or construction
  • Machinery or equipment purchase
​Fixed or variable rates available ​SBA guarantees 75%
  • ​10-year prepayment penalty on real estate
  • 5-year prepayment penalty on machinery and equipment