Financing Opportunities for Your Small Business
We offer SBA Loans for business acquisitions, partner buyouts, startups, equipment and machinery, real estate, and more!
SBA 7(a) Loan Program
- 7(a) Loans are used to finance permanent working capital, equipment, land and buildings, business acquisitions, and start-up business.
- The Bank funds the entire loan with 75% guarantee of the SBA on loans over $150,000. The maximum loan size is $5,000,000. The borrower pays a guaranty fee to the SBA on the 75% guaranteed portion of the loan, which can be included in the financing.
- Up to 10-year term without real estate and up to 25-year term with real estate.
- Reasons to use SBA 7(a) Loans:
- Business Acquisitions (Franchise or non-franchise)
- Partner Buyouts
- Start-up Business
- Equipment and Machinery Financing
- Real estate - up to 25 years (on eligible project)
- Debt Refinance - longer terms to improve cash flow
- Working Capital - secured by all business assets or inventory and accounts receivables
SBA 504 Loan Program
- 504 Loans are used to buy or renovate real estate and may include some equipment.
- The Bank partners with a Community Development Corporation (CDC) to provide financing. The portion of funds provided by the CDC are provided at a 20 or 25-year rate.
- Reasons to use SBA 504 Loans:
- Real Estate
- Equipment
- Fixed rate on the SBA portion for the life of the loan
- Longer terms offered on the SBA portion
Meet Our Team:
 Sabas Sanchez VP, SBA Lending Officer |  Casjen Rico VP, SBA Lending Officer |