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SBA loans built around your next business move.
Whether you're buying a business, purchasing real estate, refinancing debt, or planning for what's next, our SBA lending team can help structure financing around your goals.
A preferred SBA lender—and a long-term banking partner.
Our Preferred Lender status allows us to streamline SBA loan processing and approval.
Work with lenders who take time to understand your business, goals, cash flow, and financing needs.
SBA financing can support acquisitions, real estate, construction, refinancing, succession planning, and more.
Our relationship continues after closing with loan servicing, deposit services, and cash management support.
Financing designed to help your business move forward.
SBA loans can provide longer-term financing for major business needs, with structures designed to support growth, ownership transitions, and investment in your business.
What can an SBA loan help you do?
Acquisitions, buyouts, equipment, working capital, and expansion financing for growth.
Owner-occupied real estate, construction, renovations, buildouts, and property improvements.
Consolidate debt, improve cash flow, and restructure financing to support future growth.
SBA lending for businesses like yours.
Our SBA team works with businesses across industries including hospitality, restaurants, manufacturing, professional services, medical and dental, retail, self storage, car washes, gas stations and convenience stores, and more.
From conversation to closing.
We take time to understand your business and help you navigate the SBA lending process from start to finish.
Share your business, financing need, goals, and timeline with an SBA lender.
We'll discuss potential SBA structures and determine which approach best fits your needs.
Gather the financial documents needed for underwriting and SBA review.
Our SBA lending team will guide you through the approval process and next steps.
We'll help you through closing—and continue supporting your business after the loan is funded.
Flexible structures for significant business needs.
SBA loan structures vary by financing need. Our lenders can help you understand the options available for your business.
SBA loan amounts up to $5,000,000.
Terms may extend up to 25 years for real estate and 10–15 years for non-real-estate debt.
As little as 10% down in many scenarios.
Depending on the financing request, SBA loans may also offer no balloon payments, the ability to include certain closing costs in the loan amount, and financing structures that are not solely dependent on available collateral.
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Start with a conversation.
Connect with an experienced SBA lender who can help you evaluate financing options and guide you through the process.
More business lending solutions
Finance the purchase, construction, expansion, or improvement of commercial property.
Finance equipment, vehicles, expansion projects, and other long-term business investments.
Access flexible working capital to help manage cash flow and day-to-day operating needs.
SBA Loan FAQs
Get answers to common questions about SBA financing at IncredibleBank.
SBA financing can support needs including business acquisitions, partnership buyouts, commercial real estate or construction, refinancing eligible business debt, succession planning, equipment, and other business investments.
IncredibleBank offers SBA loan amounts up to $5,000,000. The amount available to your business depends on the financing request and underwriting.
Terms may extend up to 25 years for real estate and 10–15 years for non-real-estate debt, depending on the loan and financing purpose.
Some SBA financing scenarios may require as little as 10% down. Your lender can explain the equity requirement for your specific request.
Yes. IncredibleBank provides SBA lending nationwide for existing clients.
IncredibleBank participates in the SBA Preferred Lending Program. Preferred Lender status allows us to streamline SBA loan processing and approval.