SBA Loan Program

The Trust Financing team is expert at placing SBA loans. We enjoy these projects and getting them funded quickly.

SBA 7a Loans: $350,000 – $5,000,000 and up to $7.5 million with pari passu.

SBA 504 Loans: We have 504 loans up to $12 million.

USDA B&I Loans: Up to $25mm with negotiated terms.

SBA Micro Loan: $15,000 – $50,000

SBA Express Loans: $100,000 – $350,000

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Why Smart Business Owners Choose SBA Loans

Securing capital is one of the most critical steps in scaling a business, but traditional commercial loans often come with rigid terms and high down payments. Small Business Administration (SBA) loans are specifically designed to overcome these hurdles, offering business owners unique financial advantages:

  • Preserve Your Cash Flow: With lower down payments, often as low as 10% for real estate and equipment – you keep more working capital in your business where it can actively grow.

  • Lower, Predictable Payments: SBA loans offer significantly longer repayment terms (up to 25 years for real estate) than standard bank financing. Longer terms mean lower monthly payments, keeping your day-to-day overhead manageable.

  • Competitive, Capped Rates: Because the government guarantees a portion of the loan, lenders can offer highly competitive interest rates that are legally capped by the SBA.

  • No Hidden Fees or Points: You won’t have to worry about expensive upfront points, making your borrowing costs transparent from day one.

  • Versatile Funding Uses: From buying out a partner and refinancing high-interest debt to purchasing commercial property or securing quick working capital, there is an SBA program structured for your exact goal.

Because Trust Financing Solutions is designated as a Preferred Financial Services partner through our SBA lenders, we can bypass much of the typical red tape to get your loan processed, approved, and funded faster than standard banks.

Who is Eligible for an SBA Loan?

Most for-profit small businesses are eligible for an SBA guaranteed loan. This includes manufacturers, wholesale, retail and service businesses as well as independent or franchise businesses.

SBA 7(a) loan program

The SBA 7(a) loan program is the SBA’s primary product for general financing.  The standard 7(a) loan is the most popular SBA program available today with favorable rates and terms. In the latest full fiscal year, the program approved 70,242 loans, totaling $31.1 billion in capital.

Uses
  • Purchase land or buildings
  • Buy a Business
  • Purchase and install fixed assets
  • Construct new buildings
  • Purchase inventory and supplies
  • Working capital
  • Refinance some outstanding debts
Loan amounts

The maximum loan amount for the 7(a) loan is $5 million.

SBA 504 loan program

The SBA 504/CDC loan program partners with Certified Development Companies (CDCs) to provide long-term financing to purchase major fixed assets.  A 504/CDC loan provides up to 50% funding from a commercial lender and up to 40% funding from the CDC office in your area. The borrower will have to provide at least 10% as equity.

Uses
  • Purchase machinery and equipment
  • Purchase land or building
  • Construct, remodel or improve a building
  • Purchase or install fixtures
Loan amounts

The range of the CDC portion in a single project is $5 million, increasing to $5.5 million for some manufacturers and energy-related projects.

Other SBA Loans

The SBA program that’s right for your company will depend on the amount you are seeking as well as the purpose of the loan.

Micro Loans

The SBA Micro Loan program provides loans up to $50,000 to meet many business needs. Funds quickly.

Uses
  • Working capital
  • Machinery or equipment
  • Inventory and supplies
  • Furniture
  • Fixtures
Loan amounts

Micro Loan amounts can range up to $50,000.

SBIC – Small Business Investment Company

The SBIC program is an investment program that increases access to capital for growth stage businesses. Trust Financing works with select SBIC firms on deals or transactions that are larger than the limits of the SBA 7A or 504 programs.

SBIC small business financings are primarily in the form of subordinated debt with equity enhancements.  SBIC financings to small businesses typically range from $2.5 million to $10 million. Each SBIC has its own investment profile in terms of targeted industry, geography, company maturity, and the type and size of financing the SBIC will provide to small businesses.

The Trust Financing Solutions team works with SBIC investors when needed to get the deal done.