Expanding Affordable Financing with SBA


Click Go to Visit our Free Business Library

SB&T is proud to be a Preferred SBA Lender, which allows us to approve loans locally for a quicker response. Our business bankers use their expertise in SBA financing to help you select, apply for, and quickly process the loan that is right for you. We offer extended terms and lower equity requirements to improve cash flow and business efficiency. Our business bankers and SBA lending managers want to fit you with the right product to meet your needs.

All of our SBA loans offer:

 Competitive rates
 Extended terms
 Lower down payments


SBA 7(a) Loan Program

7(a) loans are the most basic, commonly used, and flexible type of SBA loan. Your loan may be used to start a new business or to help with existing business operations, expansions or acquisitions:


 Debt refinancing
 Working capital
Machinery and equipment
Furniture and fixtures
Leasehold improvements
 Construction financing
Land and building purchase



SBA 504 Loan Program

This loan program was specifically designed to help stimulate economic development within communities by helping businesses grow and create jobs. Through this program SB&T is able to provide small businesses another option to secure financing for major expansion or modernization.

504 Funds may be used to:

 purchase existing buildings;
 purchase land or make land improvements;
 build or renovate facilities; and
 purchase equipment.



SBA Veterans Advantage Loans



This loan program was designed for veterans, members of the military and their spouses who are interested in starting or expanding a business. SBA Veterans Advantage eliminates the up-front guaranty fee for SBA Express Loans over $150,000 approved to small businesses owned by qualified veterans.


SBA Export Working Capital Program


This loan program provides advances for up to $5 million to fund export transactions from purchase orders to collections.

Please speak with your business banker or visit a convenient branch to discuss SBA lending programs. Additional information about SBA loans and the U.S. Small Business Administration is available at

Important Product Disclosures

All loans and lines of credit are subject to credit approval.