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SBA Loan Programs

Grow your small business into a big business with Exchange Bank
and SBA Lending.

Start or grow with the benefit of SBA Loan Programs. Experience the fast turnaround and industry leading expertise Exchange Bank provides.

Apply now      |      Contact one of our SBA Loan Experts

Partner with Exchange bank and enjoy the benefits of  working with dedicated professionals committed to outstanding customer service, expert service and fast turnaround. We understand that time is money.

  • Loans approved quickly and locally
  • Decades of SBA lending experience
  • Fully amortizing loans up to 25 years
  • Minimal down payment, as low as 10%
  • Competitive fixed and variable rates
  • Loans may be assumable

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Types of loans

SBA 7(a) SBA’s flagship program for term loans for all business purposes

These government guaranteed 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. 

Program details:

  • Primary SBA lending program for all business needs
  • Loan terms of 7-25 yers, fully amortizing
  • Loan amounts of $50,000 to $5,000,000
  • Flexible collateral requirements


SBA 504 
Long-term, fixed asset financing

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.

Program details:

  • Long term fixed rates up to 20 years on the SBA portion
  • Up to 30 year amortization and 10 year term on Exchange Bank portion
  • Financing up to 90% of eligible project costs


SBA Express & CapLine Programs
– working capital

Exchange Bank utilizes the SBA Express & CapLine programs to fund the short term working capital needs of businesses.

Program details:

  • Quick, streamlined process for lines of credit
  • Amounts from $25,000 to $5,000,000

Apply now      |      Contact one of our SBA Loan Experts