Loan programs
The main loan options, explained simply.
You do not need to know which program fits before you call. We help compare the options and explain what each one is typically used for.
01
SBA 7(a)
Flexible financing for common business needs.
Often used to buy a business, refinance debt, fund working capital, or support growth.
Common uses
- —Business acquisitions
- —Working capital
- —Debt refinance
- —Partner buyouts
02
SBA 504
Long-term financing for fixed assets.
Often used for owner-occupied real estate, construction, renovations, and large equipment.
Common uses
- —Real estate
- —Construction
- —Renovations
- —Major equipment
03
USDA B&I
Capital for eligible rural businesses.
A useful path for rural businesses when SBA is not the best fit or another option is needed.
Common uses
- —Rural business
- —Expansion
- —Stabilization
- —Job creation
04
Combination Financing
More capital when one loan is not enough.
SBA plus bank financing can help larger projects that need more than one source of capital.
Common uses
- —Larger deals
- —Bank financing
- —More flexibility
- —Growth projects