SBA Community Advantage Small Business Loans

• Our general business loan rates start at Prime + 2.75%
• Your rate will depend on which of our loan products best match your needs
• Compared to the marketplace, all our rates and terms are considered fair and competitive.

• Collateral not needed for approval
• Available nationwide, with a focus on California, Arizona, Nevada, as well as the metro areas of Dallas-Fort Worth, Washington D.C., Miami, Detroit, and Atlanta
• Able to provide a down payment: 5% for start-ups and business acquisitions
• Ability to show sufficient cash flow to make payments
• Flexibility to waive some requirements for businesses in low-moderate income communities and start-up businesses

• You can be pre-qualified anywhere between 24-72 hours.
• For our general business loans the process can take from 4-6 weeks. Loan approval can take 2-4 weeks after the receipt of any requested documents.

Tip: Get funded quicker by submitting required documents as timely as possible.

• You can borrow between $30,000 – $350,000

Yes. If you are a start-up there will be a 5% downpayment and management or industry experience is required.

Yes, you will work with a real person and have your emails and phone calls returned promptly. We pride ourselves on being your partner through the loan process and beyond. Your loan officer is always available to answer questions, explain the process and help ensure you get a loan that you are comfortable with and that best supports your business goals.