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Small Business Administration (SBA) Loans

Supporting small business growth matters to us.

From a short-term loan to free up cash flow to long-term financing to grow your business, having access to the proper type of capital can be invaluable to small business owners. Curious why you might choose an SBA loan over a conventional loan? Here are just a few advantages:

  • Longer repayment terms
  • Lower down payments
  • Competitive interest rates

And as an SBA Preferred Lender, Commerce will handle the entire loan process, removing the back-and-forth interaction between you and the SBA. This means faster access to your money. Naturally, we recommend connecting with one of our experienced lenders to see which option is right for you, but here are a few details of our programs.

SBA 504 Program

Construction worker on worksite scaffolding

  • Designed for fixed-asset acquisitions, such as real estate or equipment

  • Long-term, favorable fixed-rate financing

  • Low down payments, allowing you to retain liquidity to fuel growth

SBA 7(a) Program

Construction workers in a large building with equipement

  • Business acquisition and expansion

  • Equipment and commercial real estate purchases

  • Working capital

  • Refinancing debt

  • Financing up to $5 million

SBA Express Loan Program

Pottery business owner using computer

  • Less complex term loans and revolving lines of credit

  • Quick turnaround and less documentation

SBA Export Working Capital Program

Small business owner shipping packages

  • Designed for businesses with current and potential export transactions

  • Provides working capital to support foreign accounts receivable during long payment cycles from purchase order to collections

  • Financing up to $5 million with a low guaranty fee and quick processing time

Recent SBA Financing


Medical Spa

$454,400

Business Acquisition
SBA 7(a) Loan

Engineering Firm

$1,925,876

Real Estate Purchase
SBA 504 Loan

Marketing Firm

$100,000

Line of Credit
SBA Express

Electrical Services

$136,300

Equipment Purchase
SBA 7(a)
Small Loan

 

Trends & Insights

How small businesses can navigate cash flow challenges.

For many small businesses, managing daily finances can feel like a constant balancing act. Only when businesses take control of their cash flow strategies do they begin to feel true financial stability.

The digital payments revolution

Organizations that embrace digital transformation will now position themselves for improved cash flow management and data-driven decision-making capabilities that support sustainable growth in an increasingly competitive business landscape.

The big difference a growth mindset makes in achieving business success.

Keeping up, let alone staying ahead, isn’t easy. However, organizations that foster a culture of continuous improvement learn from mistakes and regularly take on new challenges, gaining a distinct edge. This proactive approach, known as adopting a growth mindset, creates a foundation for success.

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