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Small Business Administration (SBA) Loans


Chase.com business page Benefit from our national experience with federally backed financing.

Leverage lower monthly payments, longer repayment terms and direct financing of any applicable fees.

SBA 7(a) Loan Program SBA Express Term Loan SBA 504 Loan Program
  • Best match for borrowers who need funds to expand, purchase another business or manage cash flow
  • Loan amounts: Up to $5 million
  • Benefits: Often easier to qualify; longer maturity terms, lower down payment on fixed assets
  • Standard terms: Working capital up to 7 years; equipment up to 10 years; real estate up to 25 years
  • Structure: SBA guarantees up to 75% (guaranteed portion capped at $3.75 million)
  • Pricing: Fixed and variable rate options
  • Best match for borrowers who need funds to expand, purchase another business or manage cash flow
  • Loan amounts: Up to $350,000
  • Benefits: Longer maturity terms, accelerated application process; SBA fees can be financed
  • Standard terms: Working capital up to 7 years; equipment up to 10 years; real estate up to 25 years
  • Structure: SBA guarantees 50% of the loan
  • Pricing: Fixed and variable rate options
  • Best match for borrowers planning to expand business through land acquisition, building acquisition, construction

    and equipment finance

  • Loan amounts: No maximum
  • Benefits: Lower down payments, favorable terms and pricing
  • Standard terms (Lender): Minimum 7 years for equipment or 10 years for real estate with up to 30–year amortization
  • Standard terms (SBA): 10 years for equipment or 20 years for real estate
  • Structure: Up to 40% or $5 million maximum funded by the SBA
  • Pricing: Favorable pricing; fixed for 20 years
SBA Express Sub–Programs for Specific Applications
  • Export Express loans up to $500,000 are available for companies that export goods and want to expand or who need working capital to enter a new overseas market.

Meet short-term and cyclical working capital needs with an SBA revolving line of credit.

SBA Express
  • Best match for borrowers who need funds to expand, purchase another business or manage cash flow
  • Available financing: up to $350,000
  • Benefits: Accelerated process compared to 7(a) program; SBA fees can be financed
  • Standard terms: Revolving; lines up to 3 years
  • Structure: SBA guarantees 50% with guaranty fees based on guaranteed amount
  • Pricing: Variable rate

To apply, please visit your local Chase branch.


Category: Bank loan

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