How to Apply
Small Business Administration (SBA) Loans
Commerce participates in the Small Business Administration’s Preferred Lender Program. As active, experienced small business administration lenders, we use our own applications and internal credit underwriting guidelines to make the SBA loan process simple, fast and convenient for you.
Our small business loans offer:
- Fast approval process
- Both term loans and lines of credit available
- A great choice for young businesses1 that are growing rapidly or need
to refinance existing debt
An SBA Loan from Commerce is easier on your balance sheet with:
- Low down payments help conserve capital
- Longer terms improve cash flow
Our small business loan amortization includes:
- Up to 25-year amortization for real estate loans
- 7-10 year amortization for equipment and business purchases
- Businesses must be located in Missouri, Kansas, Illinois, Oklahoma or Colorado.
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