​​​​​​​​​​​​​​​​​​​​​Ideal for lines of credit or working capital loans for your business.


  • Businesses that are:

    • Owner-operated.

    • Individual or doing business as (DBA)

    • For-profit.

    • Organized as a sole proprietorship, corporation or professional partnership.

  • Businesses within the size guidelines established by the SBA under the North American Industry Classification System (NAICS).


  • 50% SBA guarantee for up to 10 years.

  • Line of Credit or Term Loan.

Maximum Loan Terms:

  • Commercial Real Estate up to 25 years.

  • Lines of credit (5 years revolving and 5 years to repay the balance).

  • Other purposes may vary from 5-15 years.

Interest Rate:

  • Attractive interest rates imposed by the SBA ranging between 3% and 6.50% over the Prime Rate depending on the financed amount. Fixed or variable interest rates available.

Borrower’s Equity Injection:

  • Term loans require a minimum down payment ranging between 10% to 15% of the cost of the project.

  • Lines of credit do not require a minimum down payment.

  • Business assets or real estate (commercial or personal) depending on purpose.

Collateral Requirement:

  • Business Assets and/or Real Estate, depending on loan purpose.

Typical Use of Proceeds:

  • Purchase machinery and/or equipment.

  • Obtain working capital, finance accounts receivable, and purchase inventory.

  • Make improvements to or purchase owner-occupied commercial property.


  • Longer maturity terms than conventional loans.

  • Minimum debtor down payment for term loans

  • Certain closing costs can be financed in the loan

  • Requires less documentation than other programs

  • We are an SBA-authorized Bank under the Preferred Lender Program, where we approve the guarantee quickly and directly.

For more information go to: ​http://www.sba.gov/content/sba-express ​

​Call Us 787-729-​8258