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.

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
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
BORROWER TYPE:	For-profit business

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Commercial Lending

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