Small Business Administration (SBA) Loans


Our extensive SBA experience and tenured lending group will make your SBA loan process easy.

Our lenders offer you personalized, proven expertise and flexible loan amounts up to $5,000,000 as well as fully amortized loans.


As an SBA preferred lender, we can provide much needed capital to assist business to grow and expand.

We offer prudent and knowledgeable assistance to deliver a tailored package to fit the needs of your business. We can offer a loan that typically has longer terms and a lower down payment than what is available with a traditional commercial loan.


SBA Loan Application


IMPORTANT INFORMATION — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or complete a loan application. What this means for you: When you open an account or complete a loan application, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

For more information, please contact Amy Quinlan, SBA lending department at (415) 543-3377 or e-mail us at sbainfo@tpnb.com (E-mail Security: Please do not include any sensitive information when contacting us via e-mail)

Go to www.sba.gov to learn more about SBA loan programs.


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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
  • Bank loan up to 25 years
  • SBA/CDC loan is 20 years for real estate and 10 years for equipment
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

* For detailed information on any of these accounts or current interest rates refer to the Deposit Agreement & Disclosures or call an account officer at one our locations.