Even small businesses are bigger in Texas.
As part of the U.S. Small Business Administration (SBA) Preferred Lender Program, we have the authority to offer small businesses quick loan approvals with competitive terms, such as lower down payments, flexible overhead requirements, and some loans without collateral required.
SBA loans are flexible because they are partially guaranteed by the government. They range from small to large and can be used for most business purposes such as:
- Long-term fixed assets like real estate, machinery, equipment, construction, remodeling and furniture
- Operating capital
- Refinanced business debt
- Financing a new business or franchise
- Purchasing an existing business
SBA Loan Programs
There are a variety of SBA loans to fit the unique needs of your small business. To qualify, your business and its principals must meet eligibility requirements established by both the SBA and by Security State Bank & Trust. These loans are also subject to credit approval.
| Loan Type | Amount | Benefits |
SBA 7(A) Loan Program Term Loan For business owners looking to expand their business through real estate or business acquisition | $25,000 – $5,000,000 | Easier to qualify, longer maturity terms, lower down payments |
SBA Express Loan Program Revolving Line of Credit For business owners who need up to $500,000 to expand, purchase another business, or manage cash flow | $25,000 – $500,000 | Accelerated application process, longer maturity terms, SBA fees can be financed |
SBA 504 Loan Program Term Loan For business owners planning to expand business through real estate, building acquisition or construction | Amounts vary depending on type of project
| Lower down payments, lower fees, competitive terms and pricing |
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