Promotion – Small Business Administration Loans (SBA)

Our extensive SBA experience and tenured lending group will make your SBA process easy. Our lenders offer you personalized, proven expertise and flexible loan amounts up to $5,000,000 as well as fully amortized loans.

Partnering with the SBA, we can offer a loan that typically has longer terms and a lower down payment than what is available with a traditional commercial loan.

For more information, please contact the SBA lending department at 415-543-3377.

Go to www.sba.gov to learn more about the government’s programs.

 

Loan Program Comparison Chart

SBA 7A SBA 504 USDA B&I
Benefits
  • Lower down payment to conserve working capital
  • Longer term than conventional financing
  • Fully amortized loans
  • Lower down payment to conserve working capital
  • Longer term than conventional financing Fully amortized loans
  • Up to 90% combined loan-to-value on real estate purchase
  • Higher size standards than the SBA 7A program allows
  • Lower down payment to conserve working capital
  • Longer term than the conventional financing
  • Fully amortized loans
  • Up to 80% loan-to-value on real estate purchases, subject to underwriting guidelines
Uses
  • Purchasing, constructing, or renovating commercial real estate (for owner-users – 51% occupancy)
  • Purchasing of equipment
  • Working capital and inventory
  • Business acquisition and start-ups
  • Refinancing of existing business debt
  • Purchasing, constructing, or renovating commercial real estate (for owner-users—51 % occupancy)
  • Purchase of equipment with a useful life of 15 years or greater
  • Purchase, construct or renovate commercial real estate for owner-users
  • Purchase equipment
  • Develop commercial lease projects
Terms
  • Real Estate Loans up to 25 years
  • Business Acquisitions up to 10 years
  • Machinery and equipment: up to 10 years
  • Working capital and inventory: up to 7 years
  • Bank loan up to 25 years
  • SBA/CDC loan is 20 years for real estate and 10 years for equipment
  • Real Estate Loans
  • Up to 80% loan-to-value, subject to underwriting guidelines; up to 30 years fully amortized
  • Machinery and equipment; up to 15 years