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Small business acquisition planning team

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


Medical Spa

$454,400

Business Acquisition
SBA 7(a) Loan

Engineering Firm

$1,925,876

Real Estate Purchase
SBA 504 Loan

Marketing Firm

$100,000

Line of Credit
SBA Express

Electrical Services

$136,300

Equipment Purchase
SBA 7(a)
Small Loan

 

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