SBA Loans

What are SBA Loans?

Small Business Administration (SBA) loans are designed to help small businesses grow by offering favorable terms and less stringent qualifying criteria than conventional loans, including lower down payments, terms up to 25 years and up to 90% financing.

The various types of SBA loans are partially guaranteed by the U.S. Small Business Administration, and made through lending partners nationwide. U.S. Bank is one of the leading SBA lenders.

SBA loan benefits include:

  • Up to 90% financing
  • Loans up to $11.25 million
  • Terms up to 25 years
  • Fixed and variable rate options
  • No balloon payments
  • Most for-profit small business industries are eligible
  • SBA loans originated at U.S. Bank are serviced by U.S. Bank, ensuring personalized service

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SBA Express Loans

SBA Express loans are backed by government-sponsored loan guarantees and are available to for-profit businesses in virtually every industry. Loan amounts are available from $5,000 – $500,000.

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SBA 7(a) and 504 Loans

These SBA loans provide financing for almost any business purpose, including real estate purchase, business acquisition or startup, equipment, inventory, and competitor and partner buyouts. Loan amounts vary from $250,000 to $11.25 million.

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SBA Loans for Business Ownership & Expansion

If you're looking to finance the acquisition or expansion of a small business, there are two types of Small Business Administration (SBA) loan to consider – one for larger borrowing needs and one for smaller needs.

  • SBA Express Loans – For financing needs up to $350,000
  • SBA 7(a) Loans – For financing needs up to $5 million

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SBA Loan Referral Network

The vast majority of referrals we receive are for owner-occupied commercial real estate purchase, refinance or construction. We offer three types of SBA loans for these purposes. In addition, we offer SBA loans designed to meet other types of small business financing needs, including business acquisition, partner buyout, debt refinance, working capital, inventory and tenant improvement

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Credit products are subject to normal credit qualifications and approvals. Other conditions and fees may apply.