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Small Business Administration (SBA) Loans

The U.S. Small Business Administration (SBA) provides a number of loan programs designed for small business owners. SBA loans can be approved with lower down payments, longer repayment terms, and more flexibility than conventional loans.

  Loan Type Best Use Term Loan Amount
SBA 7(a) Loans SBA’s primary program for term loans
  • Equipment
  • Real estate
  • Acquisitions or expansion
  • Lease-hold improvements
  • 10 years for equipment
  • 25 years for real estate
Up to $5,000,000
SBA 504 Loans Focuses on long-term, fixed-asset financing such as real estate
  • Long-term, fixed-asset loans such as commercial real estate
  • Business expansion
  • Equipment
  • Up to 20 years on real estate
  • Up to 10 years on machinery or equipment
Up to $5,000,000
  • SBA 7(a) Loan Program

    The SBA 7(a) Loan Program provides financing to eligible borrowers for acquiring and expanding a small business. This type of loan is the most basic and the most used within SBA's business loan programs.

    Click here to learn more about the SBA Loan Program.

  • SBA 504 Loan Program

    The 504 Loan Program is a powerful economic development loan program that offers small businesses another avenue for business financing, while promoting business growth, and job creation. This program is a proven success and win-win-win for the small business, the community and participating lenders.

    The 504 Loan Program provides approved small businesses with long-term, fixed-rate financing used to acquire fixed assets for expansion or modernization.