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Small Business Administration (SBA) Loans
SBA loans are business loans issued by participating lenders and backed in part by the U.S. Small Business Administration. The SBA guarantee helps make financing more accessible by reducing lender risk, allowing qualified businesses to benefit from flexible financing options and competitive repayment terms.
Whether you're purchasing property, investing in equipment, expanding operations, refinancing debt, or managing cash flow, an SBA loan may provide the capital your business needs to move forward.
Choose the Right SBA Loan
SBA 504 Loans
SBA 504 loans help businesses purchase, build, or improve commercial real estate and other major fixed assets while preserving working capital.
Best For
✓ Commercial property purchases
✓ Construction projects
✓ Facility renovations
✓ Expansion projects
✓ Heavy equipment financing
SBA 7(a) Loans
The SBA 7(a) loan program is the most flexible SBA financing option and can be used for a wide variety of business purposes, including working capital, equipment purchases, business acquisitions, partner buyouts, and refinancing.
Best For
✓ Working capital
✓ Inventory
✓ Equipment
✓ Debt refinancing
✓ Acquisitions and buyouts
SBA Express Loans
SBA Express loans provide a streamlined option for businesses seeking smaller financing amounts and faster decisions while still benefiting from SBA support
Best For
✓ Smaller capital needs
✓ Time-sensitive opportunities
✓ Inventory purchases
✓ Working capital
✓ Equipment purchases
Common Uses
✓ Working capital
✓ Inventory purchases
✓ Equipment financing
✓ Commercial real estate
✓ Building renovations and expansions
✓ Business acquisitions
✓ Partner buyouts
✓ Debt refinancing
✓ Business growth initiatives
Choose the Right SBA Loan
SBA 504 Loans
Best For
✓ Commercial property purchases
✓ Construction projects
✓ Facility renovations
✓ Expansion projects
✓ Heavy equipment financing
SBA 7(a) Loans
Best For
✓ Working capital
✓ Inventory
✓ Equipment
✓ Debt refinancing
✓ Acquisitions and buyouts
SBA Express Loans
Best For
✓ Smaller capital needs
✓ Time-sensitive opportunities
✓ Inventory purchases
✓ Working capital
✓ Equipment purchases
PAYMENT REQUIREMENTS
REPAYMENT TERMS
CASH FLOW
BUSINESS NEEDS
TO SUPPORT GROWTH
CAPITAL
