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SBA 7(a) and 504 Loans

SBA 7(a) and 504 Loans

Smart choices for long-term financing.

The U.S. Small Business Administration (SBA) plays a critical role in making financing available to small businesses for a wide array of purposes, from starting and growing a business to purchasing commercial real estate.

SBA loans can be used for a multitude of small business needs.

Funds may be used for a wide range of purposes, including:

  • Owner-occupied commercial real estate
  • Business expansion or acquisition
  • Franchise financing
  • Business startup costs
  • Financing newly established businesses
  • Partner or management buyout
  • Inventory purchase
  • Equipment, including restaurant equipment and vehicles
  • Machinery
  • Furniture
  • Debt refinance
  • Working capital

Business ownership and expansion loans from $250,000 to $5 million.

If you're interested in acquiring or expanding a business, two types of SBA loan programs are available. Both are designed for businesses with smaller borrowing needs.

Loan amounts:

  • Up to $5 million for the SBA 7(a) Business Loans

Real estate financing up to $11.25 million.

For small businesses seeking to purchase, refinance or build owner-occupied commercial real estate, three SBA-backed financing solutions are available.

Loan amounts:

  • Up to $5 million for SBA 7(a) Real Estate loans
  • Up to $11.25 million for SBA 504 loan programs
  • Up to $7 million for SBA 7(a) Pari Passu

Put our SBA expertise to work for you.

U.S. Bank is an SBA Preferred Lender and one of America’s most experienced SBA lender. Since 1976, we’ve provided more than $6 billion in SBA-backed loans to thousands of small businesses nationwide. We’ll work with you to determine what type of loan is best for you and help make the loan application process as easy as possible.

Equal Housing Lender Equal Housing Lender

Subject to credit approval and program guidelines.

Financing maximums and terms are determined by borrower qualifications and use of funds. U.S. Bank and its representatives do not provide tax advice. Consult an advisor regarding a particular financial situation. For any deferred or promotional payment period, interest accrues and is amortized over the remainder of the term and outstanding balance. Deposit products offered by U.S. Bank National Association. Member FDIC.


The 3.49% interest rate applies to new or used equipment and vehicle loans up to 100% LTV and terms up to 36 months for credit qualified applicants. Disclosed rate reflects 0.50% discount based on automatic monthly payments from a U.S. Bank Business Checking account. Standard fees apply. Advertised rate is as of 10/22/15 and is subject to change without notice based on market conditions. See a banker for details.


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