Small Business Administration loans and lines of credit

Select from a variety of Small Business Administration (SBA) financing options that can help your business expand.
Contact an SBA Banker

What is an SBA loan?

A Small Business Administration loan allows small businesses an opportunity for funding to start, grow or change their business through multiple programs. These loans are backed by the U.S. Small Business Administration and are provided through a local lender. Regions is a preferred lender for SBA loans.

How an SBA loan can support your business

Manage cash flow and working capital

Access financing to buy inventory, cover operating expenses, fulfill orders and support business needs

Invest in business growth and workforce

Expand into new markets, open additional locations or hire more employees

Purchase equipment or real estate

Finance machinery, vehicles, buildings or other long-term business assets

Acquire or transition ownership

Support business acquisitions, partner buyout, succession planning and ownership changes

SBA working capital solutions

Working Capital Pilot (WCP)

Designed to support short-term and ongoing working capital needs for growth initiatives inventory or operating needs
  • Borrow up to $5 million
  • Asset-based revolving line of credit
WCP details

Manufacturers’ Access to Revolving Credit (MARC)

Designed for U.S. manufacturers in need of long-term, flexible access to capital for ongoing needs
  • Eligible U.S. manufacturers within NAICS Codes 31-33 can borrow up to up to $5 million
  • Eligible U.S. wholesale trade and food supply manufacturers with certain NAICS codes can borrow up to $2 million
  • Up to a 10-year revolving term and an additional 10- year term-out period
MARC details

Export Working Capital

Designed for businesses that need to free up working capital to grow international sales, purchase goods or services for export, or prefund purchase orders for export contracts
  • Borrow up to $5 million
  • Revolving line of credit backed by receivables from foreign buyers and related inventory
Export Working Capital details

SBA Express

Designed for specific needs such as financing business acquisitions, equipment, debt refinance, inventory and leasehold improvements
  • Borrow up to $500,000
  • Loan or line of credit with as little as 0% down
SBA Express details

SBA loans to help finance growth or expansion

SBA 7(a)

Designed for businesses that need longer-term financing for an acquisition, equipment, debt refinancing, inventory and more
  • Borrow from up to $5 million
  • Loan or line of credit partially guaranteed by the SBA
SBA 7(a) details

SBA 504

Designed for business owners who want to expand through the purchase of land, property or equipment, or through green energy and manufacturing projects
  • Up to 90 percent financing available for eligible projects
  • No maximum project size, with SBA financing up to $5 million, or $5.5 million for certain manufacturing and energy-related projects
  • Flexible financing solutions for fixed assets purchases, refinances and expansion projects of varying sizes. Fully fixed rates available
SBA 504 details

International Trade Loan

Designed to be used to develop or increase international trade opportunities for small businesses
  • Borrow up to $5 million
  • Longer terms and amortization
International Trade Loan details

SBA guidance from a preferred lender every step of the way

The Small Business Administration’s Standard Operating Procedures (SOP) is the primary source of guidance lenders use to assess loan eligibility. As a preferred SBA lender, Regions can help you navigate the SBA lending process to find the best financing solution for your business needs.
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SBA loan FAQs

SBA loans can be used for a variety of business purposes, including working capital, equipment or real estate purchases, inventory, business expansion, debt refinancing and acquisitions.
SBA loans are backed in part by the U.S. Small Business Administration and are provided through a local lender. Compared to conventional business loans, SBA loans may offer lower down payment requirements and more flexible terms based on borrower qualifications.
Eligibility requirements vary with the loan program, generally, SBA financing is available to qualifying businesses that meet SBA size standards and demonstrate an ability to repay the loan. As a preferred SBA lender, Regions can help you evaluate your financing needs and determine which SBA loan or line of credit is the right fit for your business.
SBA-guaranteed loans generally offer rates and fees that are comparable to non-guaranteed loans. Some loans also may have lower down payment requirements as well as more flexible overhead and collateral requirements. Plus, some loan programs include counseling and education al support to help you start and run a business.

Contact an SBA banker

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