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Small Business Administration (SBA) Loans

When it's time to move your business forward, an SBA-backed loan from Regions may be the solution you're looking for. We are proud to be one of the nation’s top SBA lenders helping more small businesses in the community succeed with an SBA loan.

Whether it's an SBA 7(a) or SBA 504 loan, these solutions can have great advantages over conventional loans, including:

  • Longer repayment terms than traditional financing. Allows for more flexible timelines.
  • Lower down payments. Makes upfront costs more affordable.

To learn more about SBA Loans, visit your local Regions branch or contact a banker today.


SBA Loans Solutions
  SBA 7(a) Loan Program SBA Express SBA 504 Loan Program
Best Match for Borrowers who need funds to expand, purchase another business or manage cash flow Borrowers who need funds to expand, purchase another business or manage cash flow Borrowers who need funds to expand, purchase another business or manage cash flow
Terms Loan Amounts Up to $5 million Up to $350,000 term loan or line of credit Up to $12.5 million
Benefits Up to 90% financing available, lower down payment, than traditional on fixed assets Longer maturity terms than traditional financing, accelerated application process; SBA fees can be financed Lower down payments with up to 90% financing available
Standard Terms Working capital up to 7 years; equipment up to 10 years; real estate up to 25 years Working capital up to 7 years; equipment up to 10 years; real estate up to 25 years Lender:
Minimum 7 years for equipment or 10 years for real estate with up to 30–year amortization

SBA:
10 years for equipment or 20 years for real estate

Structure SBA guarantees up to 75% (guaranteed portion capped at $3.75 million) SBA guarantees up to 50% of the loan Up to 40% or $5 million maximum funded by the SBA
Pricing Fixed and variable rate options Fixed and variable rate options Amortizations of up to 20 years with variable and fixed rate options

What are SBA loans?

The U.S. Small Business Administration is committed to furthering the growth and development of small businesses. One of the ways it does this is by guaranteeing loans to small businesses made through lending partners nationwide. Regions Bank is both an SBA Preferred Lender and one of America’s most experienced SBA lenders.

The SBA does not make loans directly to small businesses. Rather, it sets guidelines for loans, which are made by lending partners nationwide, including banks and economic development organizations. The SBA guarantees a percentage of the loan, minimizing risk to the lending partners and increasing the possibility that small businesses will receive the funds they need.