Small Business Administration Loans

Financing Opportunities for Your Small Business

We offer SBA Loans for business acquisitions, partner buyouts, startups, equipment and machinery, real estate, and more! 


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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