Small Business Administration (SBA) Loans

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• Available for start-up businesses, as well as purchasing and refinancing existing businesses
• Government-assisted help for businesses that might otherwise have difficulty getting approved
• Special financing for qualifying businesses
• Competitive rates for a wide range of business needs:
  • Commercial real estate purchase
  • Construction
  • Business acquisition or expansion
  • Equipment/inventory purchase
  • Working capital
  • And more
• A wide range of lending options available
• Generally lower down payments and extended terms
• Additional considerations taken when deciding maturity¹
• In-house processing for quick decision-making
• Experienced lenders in Northeast Florida who understand your needs

¹Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.

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Also called the Certified Development Company (CDC) Program, SBA 504 loans are designed to provide long-term, below market, fixed rate financing for major fixed finances and real estate.

SBA 504 loans can be used for:

• Construction of new facilities
• Renovating or converting existing facilities
• Purchasing land and improvements
• Purchasing long-term machinery and equipment

The 504 Program CANNOT be used for working capital or inventory, consolidating or repaying debt, or refinancing.