Small Business Administration (SBA) Loans

image of hands reviewing sba document


As an SBA lender, we can provide much-needed capital to assist businesses 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.

 

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

 

For more information contact Rudy Garcia, Senior Vice President Portfolio Manager at (408) 799-7491.

 

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Account SBA 7A SBA 504
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
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
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

* 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.