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SBA Loans

The right solution when small businesses start to think big.

Why First Bank for Small Business Administration Loans

If you’re looking for a team to guide you through the SBA process quickly and conveniently, you’re at the right place. Here you’ll partner with relationship managers who are well-versed in all things business and SBA lending. Benefit from their more than 150 years of collective experience, along with their dedication to making great things happen for your business.

SBA loans have grown in popularity over recent years because they offer advantages to borrowers and lenders. They are a great funding source for a variety of business decisions because of their lower interest rates and longer repayment periods. Lenders are more confident issuing them to businessowners because the government backs a majority percentage of each loan.

Find the right loan type

Partner with the First Bank team on these SBA funding types:

7(a) Loan

The 7(a) is the most common SBA loan, offering flexibility on terms and business uses. It’s a good funding source for important business moves, like acquisitions, partner buyouts, real estate purchases, refinances and more.

Advantages

  • Up to 90% financing and loan amounts up to $5 million
  • Fully amortized with no balloons
  • No pre-payment penalties for loan terms under 15 years

504 Loan

A 504 has nearly the same eligibility requirements as the 7(a), however the funding uses are more structured and fall into three main categories – buying commercial real estate, financing improvements within that real estate and purchasing large equipment.

Advantages

  • Low down payment of typically 10%
  • Fixed or floating interest rate options
  • Increased loan amounts of up to $15 million

Connect with an expert

Find out if a 7(a) or 504 loan is right for your business by talking with a First Bank SBA expert. Use the form on this page to connect, and we’ll be in touch soon.

Disclosures

Loans subject to credit approval. First Bank cannot provide tax or legal advice. Please seek the guidance of a tax or legal professional if you have questions.

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