Skip Navigation

Search This Site

Search Icon

Close Icon

Small Business (SBA)

U.S. Small Business Administration (SBA) and USDA Programs


  • SBA 7a Programs
  • SBA Express/LOC
  • SBA Veteran’s Advantage
  • SBA International Trade
  • SBA Export  Working Capital Program
  • SBA Export Express
  • USDA B & I Program (Rural)
  • USDA Agricultural Program (Rural)
  • 504 Loans

SBA 7a1 Program & USDA B&I2 Program Financing Options

  • SBA Export working capital up to $5mm
  • SBA Export Express up to $500,000
  • Business Acquisition (Goodwill)
  • Partner Buy-out (100%)
  • Purchase, Refi or Expand/Renovate Owner-Occupied Commercial Real Estate (51% minimum occupancy)
  • Leasehold Improvements/Renovations
  • Purchase or Refi Furniture, Fixtures, Equipment, Machinery & Inventory
  • Working Capital
  • Interim Interest thru Construction
  • Refinance existing debts
  • Construction of Owner-Occupied Commercial Real Estate (65% minimum occupancy for 10 years & 80% after 10 years)

Get in touch w/ SBA Representative

SBA 504 Financing Options

  • Purchase or Renovate/Expand Owner-occupied commercial real estate (51% minimum occupancy)
  • Purchase Heavy Duty Equipment (Machinery & Equipment)
  • Construction of owner-occupied commercial real estate (65% minimum occupancy for 10 years & 80% after 10 years)

Eligibility & Restrictions

1SBA Advantage Loan Program has up to 25 year terms (15 or more has a 3 year prepayment penalty)
2USDA B&I Program has up to 30 year terms (real estate has a 5 year prepayment penalty)

The SBA Programs are for US Citizens or Permanent Resident Aliens (must provide proof), and Owner-occupied and Owner-operated businesses (not for investment or non-profit businesses).  Applicants must have a minimum 10% cash, or equity injection (may require additional capital), good credit history (business & personal), capability (must have industry experience and proper licenses when applicable by State Statutes), and commitment (must be willing to sign a personal guarantee and pledge personal assets, if available). For the USDA Programs, borrowers/business must be located in a Rural Area (per the site map on the USDA website). All loans are subject to credit and property approval.

Get in Touch

Need assistance with something?
Our team members are available to help you
Monday to Friday 7am - 7pm CT / 8am - 8pm ET
Saturday 8am - 2pm CT / 9am - 3pm ET.

Call Icon(888) 372-9788 Online Help Center

User Icon

User Icon

Email Icon

Phone Icon

PLEASE DO NOT Send Confidential Information such as account or social security numbers using this form.