SBA Loans

SBA $5,000 - $2,000,000

 

Let the government help you obtain financing for your small business. The SBA is an independent agency of the federal government with a role in providing financial assistance to America’s small businesses. Here are some of their different loan programs:

SBA Community Advantage Program

According to the SBA, Community Advantage is a pilot initiative aimed at increasing the number of SBA 7(a) lenders who reach underserved communities, targeting community-based, mission-focused financial institutions which were previously not able to offer SBA loans. The Community Advantage has a streamlined two page application and a quick turnaround of approval. The maximum loan amount is $250,000.

SBA Express

SBA Express loans can be acquired by small start-up or home-based businesses. With applications under $100,000 there is no income proof, less paperwork and a quick funding process. This financing permits lenders to offer more flexible loan terms or a convenient line of credit. Loan amounts can go up to $1,000,000 and the funds can be used for startup, expansion, business acquisition, franchise financing, equipment, machinery, inventory or just working capital.

SBA 7(A) Loans

The Small Business Administration 7(a) loan program is the most frequently used government-enhanced small business loan program.  If you are awarded a 7(a) loan, the loan proceeds may be used to establish a new business or to assist in the acquisition, operation, or expansion of an existing business.  Loan amounts can go up to $5,000,000. SBA provides an 85% guarantee to Financial Institutions on loan amounts of $150,000 or less and a 75% guarantee on loan amounts of $150,000 or more.

SBA 504 Loan

The 504 SBA Loan provides small businesses with long-term, fixed-rate financing to acquire major fixed assets for expansion or modernization. The assets are typically real estate, buildings, equipment and/or machinery.  The 504 Program cannot be used for working capital, inventory, consolidating or repaying debt. Loan amounts can go up to $2,000,000 and financing is typically secured in conjunction with a Certified Development Company (CDC).
 

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