Business Banking
SBA Loans
LendingClub is a nationwide Preferred SBA Lender
Types of SBA Loans
SBA 7(a) Loans
SBA’s flagship program for small and medium-sized businesses, offering financing for virtually all business expenses, including commercial real estate purchases and construction, refinance of existing debt, equipment financing, working capital, and business acquisitions. The typical loan size is between $400,000 to $5 million.
SBA 504 Loans
Long-term, fixed-rate financing for real estate purchases (and buildout), ground-up construction, heavy equipment, and debt refinance. SBA 504 loans pair a senior bank loan with a debenture which together offer up to 90% financing. The typical loan size is between $750,000 to $15 million+. Learn more about 504 loans.
SBA Express Lines of Credit
A revolving credit line for working capital. The maximum express loan is $500,000.
SBA Lending Programs
Business Acquisition/Wealth Transfer
- Up to 90% financing for business acquisitions
- Aggressive financing for partnership or family buyout
- Can include working capital
- Up to 10-year term (up to 25 years with real estate)
Commercial Real Estate
- Up to 90% financing with 25-year term
- 51% or more owner-occupied
- SBA 7(a) or 504 loans
- Can include working capital, equipment, improvements, and closing costs
- Single or multi-purpose (includes hotels, restaurants, gas station/convenience stores, and assisted living)
Medical & Dental Practice Financing
- Up to 90% financing for business acquisition or expansion
- Up to 85% financing for startup
- Up to 100% financing for partnerships or buyouts
- Up to 10-year term without real estate
Franchise Financing
- Up to 90% financing for start-up, expansion and acquisition
- Up to 10-year term (up to 25 years with real estate)
Refinancing
- Most business-related debt is eligible
- No equity injection required
- Must save at least 10% on current debt service
- Up to 25-year term
Business Expansion
- Can include working capital, equipment, and improvements
- Existing business must be profitable
- Up to 90% financing, 10 to 25-year terms
Feel free to contact us with any questions. We are dedicated to providing exceptional customer service.
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