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Use size to your advantage. Small businesses can enjoy lower down payments and extended terms.

Key Features

Competitive Rates

Lower Down Payments

Extended Terms

Local Processing

  • Available for start-up businesses, as well as purchasing and refinancing existing businesses
  • Government-assisted help for businesses that might otherwise have difficulty getting approved
  • Special financing for qualifying businesses
  • Competitive rates for a wide range of business needs:
    • Commercial real estate purchase
    • Construction
    • Business acquisition or expansion
    • Equipment/inventory purchase
    • Working capital
    • And more
  • A wide range of lending options available
  • Generally lower down payments and extended terms
  • Additional considerations taken when deciding maturity*
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

SBA 7(a) Loan

Available to for-profit businesses including recent acquisitions. Up to $5,000,000 SBA guarantee cannot exceed $3,750,000. 

SBA 504 Loan

Available to for-profit businesses looking to purchase long term assets such as land buildings or certain equipment with a net worth less than or equal to $15,000,000 and average net income not greater than $5,000,000 for the past two years. Equity requirement is as low as 10%. $25,000-$5,000,000 ($5,500,000 for manufacturing companies)

SBA Patriot Express

Available to veterans and members of the U.S. military who want to establish or expand a small business. Up to $350,000.

*Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.