SBA Loans

Grow your business with affordable financing for working capital, real estate, and more.

Lower rates for business loans? Yes, please.

The process for applying for an SBA loan can be confusing—and competitive—but we’re here to help you through it. Because the SBA guarantees part of the loan, you can often borrow at a lower rate than a typical business loan. We offer both SBA 7(a) and SBA 504 loans to our business members.


Lay the foundation for growth

The SBA 7(a) program1 gives you access to working capital so you can cover your business’s operating expenses as you grow and expand. You can use your loan to acquire another business, purchase real estate or equipment, refinance your business debts, and more. Some of the benefits include:

  • Longer terms of 10 years or more
  • Fully amortized, with no balloon payments at the end of your term and no annual renewal requirements
  • Low collateral and financial requirements, compared to bank loans
  • No prepayment penalties for loans shorter than 15 years

Finance your owner-occupied real estate

You can use an SBA 504 loan1 to buy or build a commercial property for your business. Use your loan to finance land purchases, construction costs, and equipment for your businesses that occupy the property.

SBA 504 loans offer a long-term, affordable, fixed rate. In most cases, you’ll make a 10% down payment, although a higher down payment may be required for limited-use facilities and businesses that are less than two years old.

Our business loan experts are ready to walk you through your options.

Explore our business loans

Business Loans

Commercial Real Estate Loans

Purchase, renovate, or refinance a property for your business at a competitive rate. We finance owner-occupied buildings, investment properties, construction projects, and more.

Business Loans

Commercial Term Loans

Finance or refinance just about anything for your business, from equipment to leasehold improvements. We offer competitive rates and flexible terms to help your business grow.

Business Loans

Commercial Lines of Credit

Solve your cash-flow problems or fund a new project with a revolving line of credit. Borrow just what you need, with no interest charges until you draw the funds.


Learning Center

Go beyond banking with resources and news to learn how to make informed financial decisions.

A couple ordering their drinks at a café counter surrounded by a variety of plants.

10 tips for managing small business finances

Asian man online seller confirming orders from customer on the phone. E-commerce male business owner looking at the phone in store warehouse.

6 steps to protect your business’s financial data

Attentive businesspeople listen to colleague during a morning staff meeting.

Vendor security checklist: 20 questions you should ask


1Business products and services are subject to approval. Restrictions apply.