SMALL BUSINESS ADMINISTRATION (SBA) LOAN

Trust your business with a Preferred SBA Lender.

U.S. Bank is proud to be a Small Business Administration (SBA) Preferred Lender. SBA loans offer many benefits, including smaller down payments and both fixed and variable rate options. These loans are fully amortized, allowing for minimum required monthly payments throughout the loan term, with no large payment due at the end.

  • U.S. Bank has approved $2.7 billion in SBA 7(a) loans over the last five years.

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What are SBA loans?

SBA loans are long-term business loans partially guaranteed by the government. They can be easier to qualify for than conventional business loans. They’re partially guaranteed by the SBA, which reduces the risk to lenders and makes it easier for businesses to secure the funds they need.

Loan amounts

U.S. Bank offers a wide range of SBA loan amounts depending on the borrower’s needs and type of SBA loan.

Favorable interest rates

SBA loans have capped interest rates, and U.S. Bank does not charge fees for processing SBA loans.

Lengthy repayment terms

SBA loans often have longer repayment terms than traditional bank loans.

Flexibility

SBA loans can be used for a variety of business purposes, including working capital, equipment purchases, real estate and more.

Compare SBA loan options and benefits

Loan features

SBA 7(a) business loan

SBA 7(a) real estate loans

SBA 504 real estate loan

Best for

Businesses looking to finance business acquisitions, purchase equipment, refinance debt or access working capital.

Businesses looking to purchase real estate or expand with additional working capital.

Businesses who want to purchase fixed assets like real estate or equipment.

Loan amounts

Loan amounts up to $5 million

Loan amounts up to $5 million

Loan amounts up to $12.375 million

Loan term
  • Terms up to 10 years
  • Terms up to 25 years
  • U.S. Bank loan terms up to 25 years
  • CDC loan terms up to 25 years

Additional benefits
  • Flexible collateral options
  • Additional $2 million direct funding by U.S. Bank (SBA 7 (a) Pari Passu loan)
  • Fully amortized, no balloon payments
  • Equipment loan available with terms up to 10 years

Loan features

Best for

SBA 7(a) business loan

Businesses looking to finance business acquisitions, purchase equipment, refinance debt or access working capital.

SBA 7(a) real estate loans

Businesses looking to purchase real estate or expand with additional working capital.

SBA 504 real estate loan

Businesses who want to purchase fixed assets like real estate or equipment.

Loan features

Loan amounts

SBA 7(a) business loan

Loan amounts up to $5 million

SBA 7(a) real estate loans

Loan amounts up to $5 million

SBA 504 real estate loan

Loan amounts up to $12.375 million

Loan features

Loan term

SBA 7(a) business loan
  • Terms up to 10 years

SBA 7(a) real estate loans
  • Terms up to 25 years

SBA 504 real estate loan
  • U.S. Bank loan terms up to 25 years
  • CDC loan terms up to 25 years

Loan features

Additional benefits

SBA 7(a) business loan
  • Flexible collateral options

SBA 7(a) real estate loans
  • Additional $2 million direct funding by U.S. Bank (SBA 7 (a) Pari Passu loan)
  • Fully amortized, no balloon payments

SBA 504 real estate loan
  • Equipment loan available with terms up to 10 years

What you’ll need:

  1. Personal and business credit information.
  2. Personal financial statements.
  3. Generally, at least six months in business is required though direct management experience may be accepted.
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We appreciate U.S. Bank for their scale and scope because it allows us to live our value of ‘better every day.' Having access to world-class banking products, infrastructure and experts for a business of our size has really helped us improve our financial processes and risk management.

Kenny Blakeslee, APEX Site Solutions, Veteran-Owned Small Business of the Year, SBA Sacramento District Office

Frequently asked questions

SBA loans are partially guaranteed by the U.S. Small Business Association, which allows for lower interest rates and longer repayment terms.

To qualify for an SBA loan, you must be a small, for-profit business that operates within the United States.

The timeline for the SBA loan application process can vary depending on the complexity of your application and the specific loan program. While we strive to make the process as efficient as possible, it's important to gather all necessary documentation promptly. Our business lending team can provide you with a more detailed estimate based on your individual circumstances.

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Disclosures

SBA loan funding is subject to credit approval, program, and eligibility guidelines. Financing maximums and terms are determined by borrower qualifications and use of funds. U.S. Bank, SBA, and/or third-party SBA fees may apply and vary based on the type and term of the loan. Some restrictions apply to refinancing options.

Financing maximums and terms are determined by borrower qualifications and use of funds.

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.

Deposit products are offered by U.S. Bank National Association. Member FDIC.