SBA (Small Business Administration) Loans
overview
Helping your small business take the next step
With lower down payments and longer terms, a Small Business Administration (SBA) loan—guaranteed in part by the U.S. government—can help your small business get off the ground. Named a “National Preferred Lender” by the SBA, BBVA has the experience and know-how to position your small business for future growth.
Ways to Apply
BENEFITS
Let us help you open the doors to your small business
With a SBA Loan financed through BBVA, you'll benefit from:
- Lower down payment
- Longer terms (fixed or variable)
- Lower equity terms
- Lower debt service coverage requirements
- Less restrictive collateral requirements
SBA National Preferred Lender
Recognized as a “SBA Lender of the Year” in 2015 by the Small Business Administration, BBVA is proud to do our part to help small businesses overcome their current economic challenges and position themselves for future growth. A Top 10 SBA Lender, we rank #6 for loans processed in fiscal year 2017 and #10 for dollar value. That’s because our SBA Lending Group focuses exclusively on lending to businesses like yours.
types of SBA loans
Compare SBA Loans to find the right one for your business:
SBA 7(a) Loan | SBA 504 Loan | Conventional | |
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Use |
General Purpose |
Real Estate & Equipment |
General Purpose |
Loan Size |
$350,000 to $5,000,000 |
$2,000,000 to over $15,000,000 |
Unlimited |
Interest Rate |
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Variable or fixed rate |
Terms Available & Amortization Periods |
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Loan Purpose |
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Loan Structure |
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Loan Fees |
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FAQs
Frequently asked questions
What can I finance?
SBA loans can be used for many purposes, but are typically used to finance:
- Owner-occupied commercial real estate
- Equipment
- Working capital
- Furniture and fixtures
- Leasehold improvements
- Debt refinance
- Start-up businesses
Is my business eligible for a SBA loan?
Is a SBA loan the right choice for your small business? We’ll work with you to review your specific business situation in detail, but the following guidelines can get you started:
- Company is a for-profit entity
- Proven industry and management experience
- Satisfactory credit
- Loan size of $100,000 to $5,000,000
- Guidelines regarding size of company vary by industry:
- Generally businesses with a maximum tangible net work of $15,000,000, AND
- The average net income after Federal income taxes (excluding any carryover losses) of the applicant for the two full fiscal years before the date of the application is not more than $5,000,000
- Generally businesses with a maximum tangible net work of $15,000,000, AND
Contact Form
SBA Lending
Take a few minutes to provide us with some important information, and one of our expert SBA lenders will get back to you any way you choose… by phone, by mail or by e-mail.
CALIFORNIA RESIDENTS: You can learn more about the personal information we collect and the purposes for that collection here. Para espanol, haga clic aqui.
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Details you need to make a smart decision
All loans subject to SBA, collateral and underwriting requirements, and approval, including credit approval.