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SBA LOAN PROGRAM BENEFITS



  • Greater access to capital or more advantageous loan terms because of reduced risk to the bank
  • Less cash down payment or equity required than conventional loan
  • Longer amortization — more cash available to service debt and/or expand the business
  • Access to long-term fixed rates for real estate transactions
  • No renewal costs in 3 to 5 years
  • Job creation



 

SBA LOAN PRODUCT SUMMARY



SBA 7(a):

  • Project Sizes — $50,000 to $5,500,000
  • Eligible Projects — Owner-occupied real estate, ground-up construction, leasehold improvements, machinery & equipment, operating capital, and inventory
  • Term/Amortization — up to 25 years
  • Down Payment — as low as 10%
  • Special Program for Medical Professionals offered — ask about!
  • Express Line of Credit — up to $350,000 for established businesses
  • Refinancing, start-ups and business acquisition financing available


SBA 504:

  • Project Sizes — $500,000 to $10,000,000
  • Eligible Projects — Owner-occupied real estate, ground-up construction, and machinery & equipment
  • 50% of the project financed by a 1st lien conventional loan
  • 30% to 40% of the project financed by a 2nd lien SBA loan
  • Down Payment — 10% to 20%
  • Interest Rate — Attractive, low 20-year fixed for SBA loan

 

SBA LOAN FORMS






 
 
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