Skip Navigation: Internet Banking Login

Your browser's version is not compatible. Please upgrade your browser.
Cancel Icon

Small Business Administration (SBA) Loans

SBA Loans

Proud to be one of the Premier SBA Lenders

As part of our commitment to the growth of small businesses nationwide, U.S. Bank is a leading participant in the lending programs of the U.S. Small Business Administration (SBA). Since 1976, we’ve provided more than $6 billion in SBA-guaranteed financing solutions to thousands of small businesses in America.

SBA Express Loans

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

SBA 7(a) and 504 Loans

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 from $250,000 to $11.25 million.

Referral Network Resources

If you’re a financial or professional in commercial real estate, lending or a finance-related industry, learn how our SBA Division can assist you and your small business customers.

What are SBA loans?

The U.S. Small Business Administration is a federal agency committed to furthering the growth and development of small businesses. One of the ways it does this is by guaranteeing loans to small businesses made through lending partners nationwide. U.S. Bank is both an SBA Preferred Lender and America’s most experienced SBA lender.

The SBA does not make loans directly to small businesses. Rather, it sets the guidelines for loans, which are made by lending partners nationwide, including banks and economic development organizations. The SBA guarantees a percentage of the loan, minimizing risk to the lending partners and increasing the possibility that small businesses will receive the funds they need.

Does my business qualify for a Small Business Administration loan?

Small businesses must meet certain criteria to qualify for an SBA loan, including size requirements, financial standing and being in a for-profit industry. SBA loans cannot be made to a small business if the borrower has access to other financing that offers reasonable terms. In addition, a small business must meet the credit qualifications of the lending partner.

Advantages include lower down payments and longer repayment terms.

Benefits of SBA loans include lower down payments and longer repayment terms than conventional bank loans, enabling small businesses to keep their cash flow for operational expenses and spend less on debt repayment.

More benefits

  • 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 businesses are eligible
  • SBA loans originated at U.S. Bank are serviced by U.S. Bank, ensuring personalized service

There's an SBA loan for almost any business need.

U.S. Bank offers five types of SBA loans for businesses in almost any for-profit industry. Loan amounts range from $25,000 to more than $11.25 million and are available for a variety of business purposes, including:

  • Commercial real estate purchases
  • Business acquisition or expansion
  • Construction
  • Equipment, inventory or working capital
  • Debt refinancing

Equal Housing Lender Equal Housing Lender

Subject to credit approval and program guidelines. Some restrictions may apply. Financing maximums and terms are determined by borrower qualifications and use of funds.

For SBA Express loans under $250,000

Call Us
866-280-3751

For SBA loans
over $250,000

Call Us
888-722-3948

Unsupported Browser

Unsupported Browser

We've detected that you are currently accessing this site using an older version of Internet Explorer. We have not designed this site to support older versions of Internet Explorer. Therefore, you may encounter issues with how the site is displayed and how you can navigate through the site when using this older browser. We highly recommend you upgrade your current browser or download a new version of a different browser.

Upgrade Internet Explorer

Alternatively, you may want to download a new version of a different browser: