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SBA Lending

Small business owners support their families, their employees and their communities. First Women’s Bank was formed to support YOU! Our SBA lenders are here to help find innovative solutions to help your business grow and thrive.

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Small Business Administration Loans

A Small Business Administration (SBA) loan makes it easier to access the capital your business needs because a portion of the loan is guaranteed by the government. With an SBA loan you generally obtain capital with less equity than with a conventional loan. Whether you are financing to acquire fixed assets for expansion or looking for a longer term with lower equity contributions, work with one of our experienced relationship bankers who specializes in SBA lending to get you started on the right path.

Learn about SBA 7(A) Loans  Learn About SBA 504 Loans

KEY ADVANTAGES OF AN SBA LOAN:

  • Easier loan qualifications with government guarantee
  • Generally lower down payments and extended terms
  • Special financing for qualifying businesses
  • Competitive rates for a wide range of business needs

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SBA 7(a) Loans

A versatile SBA loan with longer, more flexible terms and lower equity contributions. Ideal for small and medium sized businesses looking to finance any variety of business expenses, including: commercial real estate purchases and construction, refinance of existing debt, equipment financing, working capital, and business acquisitions.

BENEFITS:
  • Up to 90% financing
  • Fully amortized/no balloons
  • Minimal collateral requirements

 

LOAN SIZE:

Up to $5 million

REPAYMENT TERMS:

Up to 25 years

PRICING:

Variable
Multi-year adjustable

PREPAYMENT:

5-3-1 for loan terms greater than 15 years

BORROWER TYPE:

For-profit business

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SBA 504 Loans

Designed for business owners who want to purchase fixed assets such as equipment, machinery and real estate. A portion of these loans is guaranteed by the government enabling you to obtain capital with less equity than conventional loan requirements. A 504 loan allows for shared costs with Certified Development Companies (CDCs) to support economic growth.

BENEFITS:
  • Up to 90% financing
  • Longer loan amortizations
  • Fixed or floating interest rates available
  • Loan amounts up to $15 million
  • Debenture rates published by CDC

LOAN SIZE:

Up to $15 million

REPAYMENT TERMS:

Up to 25 years

PRICING:

Floating or fixed

PREPAYMENT:

Bank loan: 3-5 years declining

SBA Bank Loan: 10 years declining

BORROWER TYPE:

For-profit business

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Commercial Lending

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Business Banking

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