Small Business Administration (SBA) Loans

Benefit from our national experience with federally backed financing.
 

Small Business Administration (SBA) Loans

Leverage lower monthly payments, longer repayment terms and direct financing of any applicable fees.

 
Loan Solutions
SBA 7(a) Loan Program SBA Express Term Loan SBA 504 Loan Program
  • Best match for borrowers who need funds to expand, purchase another business or manage cash flow
  • Loan amounts: Up to $5 million
  • Benefits: Often easier to qualify; longer maturity terms, lower down payment on fixed assets
  • Standard terms: Working capital up to 7 years; equipment up to 10 years; real estate up to 25 years
  • Structure: SBA guarantees up to 75% (guaranteed portion capped at $3.75 million)
  • Pricing: Fixed and variable rate options
  • Best match for borrowers who need funds to expand, purchase another business or manage cash flow
  • Loan amounts: Up to $350,000
  • Benefits: Longer maturity terms, accelerated application process; SBA fees can be financed
  • Standard terms: Working capital up to 7 years; equipment up to 10 years; real estate up to 25 years
  • Structure: SBA guarantees 50% of the loan
  • Pricing: Fixed and variable rate options
  • Best match for borrowers planning to expand business through land acquisition, building acquisition, construction and equipment finance
  • Loan amounts: No maximum
  • Benefits: Lower down payments, favorable terms and pricing
  • Standard terms (Lender): Minimum 7 years for equipment or 10 years for real estate with up to 30–year amortization
  • Standard terms (SBA): 10 years for equipment or 20 years for real estate
  • Structure: Up to 40% or $5 million maximum funded by the SBA
  • Pricing: Favorable pricing; fixed for 20 years
SBA Express Sub–Programs for Specific Applications
  • Export Express loans up to $500,000 are available for companies that export goods and want to expand or who need working capital to enter a new overseas market.

Meet short-term and cyclical working capital needs with an SBA revolving line of credit.

 
Line of Credit Solutions
SBA Express SBA CAPLine
  • Best match for borrowers who need funds to expand, purchase another business or manage cash flow
  • Available financing: up to $350,000
  • Benefits: Accelerated process compared to 7(a) program; SBA fees can be financed
  • Standard terms: Revolving; lines up to 3 years
  • Structure: SBA guarantees 50% with guaranty fees based on guaranteed amount
  • Pricing: Variable rate
  • Best match for borrowers who need short–term and cyclical working capital
  • Available financing: $350,000–$5 million
  • Benefits: Revolving line of credit to finance contracts, manage cash flow cycle, ramp up and create jobs
  • Standard terms: Revolving; initial approval for
    24–month term with annual 12–month renewals thereafter
  • Structure: SBA guarantees 75% of borrowed amount
  • Pricing: Variable rate

To apply, please visit your local Chase branch.