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SBA Loans for Business Ownership & Expansion

SBA Loans for Business Ownership & Expansion

Financing solutions for needs small and large.

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 Express is a loan program that offers both term loans and lines of credit to small businesses. Proceeds may be used to finance business acquisition, equipment, debt refinance, working capital, inventory and tenant improvement.

Program Highlights

  • Loan amounts from $25,000 to $350,000.
  • Loans up to $500,000 may be available under the Export Express.
  • Business assets may be used as collateral; real estate may also be required.
  • Accelerated processing with conventional loan documentation.

SBA 7(a) Loans: For Financing Needs Up to $5 Million

The SBA 7(a) Business Loan is ideal for small businesses with larger financing needs. Funds may be used for business acquisition, startup, equipment, debt refinance, working capital, inventory, tenant improvement and partner buyout.

Loan Amounts and Terms

  • Loan amounts of up to $5 million are available.
  • Terms vary based on the use of the loan:
    • 10 years for business acquisition, equipment or tenant improvement
    • 7 years for working capital, inventory
    • Up to 10 years for debt refinance
  • Rates are based on LIBOR and WSJ Prime
  • Collateral is required

Advance Rates

  • 75% – Startup, inventory, leasehold improvements
  • 85% – Business Acquisition
  • 90% – Equipment, furniture & fixtures
  • 100% – Debt refinance, working capital, partner buyout

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.


For SBA Express loans under $250,000

Call Us

For SBA loans
over $250,000

Call Us

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