Put your business plan into motion

Compare our SBA loan features

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Get the funds to expand your business, buy out a partner, purchase commercial property, build a new facility, upgrade equipment, and more.

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SBA Loans offer key advantages


Started by the U.S. Small Business Administration to help small businesses grow, SBA loans offer key advantages over most traditional loans.

SBA 7(a) Loan

$50,000 up to $5 million


Projects

  • Real estate purchase, refinance or construction
  • Business acquisition or partner buyout
  • Equipment purchase or refinance
  • Medical practice start-up
  • Working capital

Key Features

  • Up to 90% financing
  • Up to 25 years, fully amortized
  • Fixed and variable rates

Fees1

  • SBA guarantee fee
  • Loan packaging fee
  • Environmental / Appraisal fee when applicable
  • Additional fees may be applicable for construction loans
  • Fees may be financed

SBA Loan Key Advantages

  • Higher loan amounts
  • Lower down payments
  • Longer terms

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SBA 504 Loan

$250,000 up to $25 million


Projects

  • Real estate purchase or construction
  • Equipment purchase

Key Features

  • Up to 90% financing
  • Up to 25 years, fully amortized
  • Fixed and variable rates

Fees1

  • Loan origination fee
  • Loan packaging fee
  • Environmental / Appraisal fee when applicable
  • Additional fees may be applicable for construction loans
  • Fees may be financed

SBA Preferred Lender Key Advantages

  • Pre-qualification within 48 hours on most transactions with no fee or obligation2
  • Loan commitment within 3–5 business days on most transactions3
  • Funding as fast as 30 days from loan approval

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Legal information and Disclosures

SBA loans from Bank of the West are in participation with the US Small Business Administration. Loans are subject to credit approval in accordance with both Bank of the West and SBA eligibility and lending guidelines and are for business purposes only.

Offer, terms, and conditions are subject to change at any time without prior notice. Conditions, fees, and restrictions may apply.

1 Fees based on loan amount.

2 Pre-qualifications within 48 hours on most transactions with no fee or obligation once items needed for pre-qualification have been received by banker.

3 Loan commitments within 3 – 5 business days on most transactions once complete application has been received by banker.