Small Business Administration (SBA) Loans

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Small Business Administration (SBA) Loans

Supporting small business growth matters to us.

From a short-term loan to free up cash flow to long-term financing to grow your business, having access to the proper type of capital can be invaluable to small business owners. Curious why you might choose an SBA loan over a conventional loan? Here are just a few advantages:

Longer repayment terms
Lower down payments
Competitive interest rates

And as an SBA Preferred Lender, Commerce will handle the entire loan process, removing the back-and- forth interaction between you and the SBA. This means faster access to your money. Naturally, we recommend connecting with one of our experienced lenders to see which option is right for you, but here are a few details of our programs.

SBA 504 Program

Designed for fixed-asset acquisitions, such as real estate or equipment
Long-term, favorable fixed-rate financing
Low down payments, allowing you to retain liquidity to fuel growth

SBA 7(a) Program

Business acquisition and expansion
Equipment and commercial real estate purchases
Working capital
Refinancing debt
Financing up to $5 million

SBA Express Loan Program

Less complex term loans and revolving lines of credit
Quick turnaround and less documentation

SBA Export Working Capital Program

Designed for businesses with current and potential export transactions
Provides working capital to support foreign accounts receivable during long payment cycles from purchase order to collections
Financing up to $5 million with a low guaranty fee and quick processing time

Recent SBA Financing

HVAC Contractor

$400,000

Business acquisition

Design Company

$850,000

Real estate purchase

Optometry Office

$215,000

Building improvements

Online Merchant

$200,000

Equipment purchase

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