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SBA Loan Programs

Exchange Bank – a preferred SBA Lender.

SBA 7(a)

These Small Business Administration (SBA) loans can be used to start, expand or purchase an existing business. Loan proceeds can be used for the purchase, construction or refinance of owner occupied commercial real estate, inventory, permanent working capital, debt restructuring and partner buyout.

  • Loan amounts from $50,000 to $5,000,000
  • Loan terms of 7-25 years
  • Fully amortizing
  • Flexible collateral requirements

SBA 504

This loan program involves a two loan structure in partnership with SBA to finance the acquisition or construction of owner occupied commercial real estate or the purchase of major equipment.

  • Long term fixed rates up to 25 years on the SBA portion
  • Up to 25 year amortization and 10 year term on Exchange Bank portion
  • Financing up to 90% of eligible project costs

SBA Express Lines of Credit

Exchange Bank utilizes the SBA Express o fund the short term working capital needs of businesses.

  • Lines of credit up to $350,000
  • Quick, streamlined process for lines of credit

Joe Smith

Joe Smith
Senior Vice President and Small Business Administration Manager

707.541.1493

East Bay

James Barnett

James Barnett
Vice President and Business Development Officer

925.698.2286

East Bay

Rich Carlson

Rich Carlson
Vice President and Small Business Administration Business Development Officer

925.482.7195

Roseville/Sacramento

Scott Cisneros

Scott Cisneros
Vice President and Small Business Administration Business Development Officer

916.782.0122

North Bay

Maryanne Harris

Maryanne Harris
Assistant Vice President and Small Business Administration Business Development Officer

707.521.5031

Scott Huberts

Scott Huberts
Vice President and Business Development Officer

707.524.3402

Find out which loan program fits your business.

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