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What are SBA loans?

SBA loans are long-term, small business loans partially guaranteed by the government. The U.S. Small Business Administration is a federal agency committed to furthering the growth and development of small businesses and partners with lenders nationwide in their loan programs.

How it works

Unlike conventional term loans, an SBA Loan offers business owners the opportunity to take advantage of favorable terms as part of the SBA program, while removing some of the barriers to traditional financing options.

Through our network of preferred SBA Lenders, our program offers a faster loan process with reduced paperwork for businesses that have been in operation for less than two years. We customize SBA loans based on the unique needs of the business owner. The funds may be used for vehicle purchases and refinances, equipment purchases, working capital, inventory and other general business needs.

Compare SBA loan options and benefits

Loan type Key benefits Best for

SBA 7(a) Business Loan*

Government-backed term loan for the acquisition or expansion of a small business.

Loan amounts up to $5 million

Terms up to 10 years for business, acquisition, equipment or tenant improvement

Terms up to 7 years for working capital and inventory

Flexible collateral options

Business acquisition

Equipment

Debt refinance, working capital and inventory

Tenant improvement, partner buyout

For-profit businesses

SBA 7(a) Real Estate Loans*

Government-backed term loans for the purchase, refinance or construction of commercial real estate.

Loan amounts up to $5 million

Additional $2 million direct funding by U.S. Bank (SBA 7(a) Pari Passu loan)

Terms up to 25 years

Fully amortized, no balloon payments

Owner-user commercial real estate purchase

Expansion

Refinance or construction

For-profit businesses

SBA 504 Real Estate Loan*

Government-backed term loan for the purchase, refinance or construction of commercial real estate.

Loan amounts up to $12.375 million

U.S. Bank loan terms 25 years

CDC loan terms 25 years

Equipment loan terms 10 years

Owner-occupied commercial real estate purchase

Refinance

Construction

For-profit businesses

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