Get credit on terms that work for your business. Whether starting out or expanding, our flexible loans offer competitive rates, tailored repayment options and manageable payments. Choose fixed or variable rates and customize terms to boost cash flow, support growth and fit your unique financial needs.
Faster loan processing
SBA-backed loans are approved internally, which shortens the application and approval process.
More experience with SBA loans
Experience and familiarity with SBA loan programs, like the 7(a) or 504 loan.
Trusted by the SBA
A strong track record of sound lending and compliance with SBA regulations.
What types of SBA loans are available?
|
SBA Express Loans |
SBA 7(a) Loans |
SBA 504 Loans | |
|---|---|---|---|
| Ideal for | Expedited lines of credit and term loans used to finance business acquisitions, expansions, franchise financing, commercial real estate, working capital and equipment. | Growing and well established businesses looking for term loans to finance business acquisitions, expansions, franchise financing, commercial real estate, working capital and equipment. | Businesses that want long-term fixed rate financing for larger projects including commercial real estate, heavy equipment, construction and major renovations. |
| Loan Amounts | Up to $500,000 | Up to $5,000,000 |
Up to $5,000,000 |
| Terms | 1 – 25 years | 10, 20 & 25 year term options | |
| Rates | Fixed or Variable | Fixed | |
| Benefits | No Prepayment penalties for terms < 15 years | Long-term fixed rate | |
| Flexibility—often with longer repayment terms and lower down payments than conventional bank loans | |||
Get credit on reasonable terms—even if it may not otherwise be available.
Choose a loan with the term and amortization options that fit your plans.
Improve your cash flow by with lower payments and larger loan amounts.
Find competitive interest rates (fixed or variable).
Get flexible terms and conditions that fit your unique situation.
SBA Loans | Frequently Asked Questions
What is an SBA loan?
These are loans guaranteed by the Small Business Administration and range from $10,000 to $5 million. They can be used for most business purposes, including long-term fixed assets and operating capital.
How long does it take for me to get an SBA loan?
Depending on your situation and the loan that you choose—a 504, a 7(a) or an SBA Express loan—the timing from application to receiving your loan could be from 15 to 120 days.
How do I apply for an SBA loan?
Our Associated Bank SBA loan specialists are focused on fitting the right loan to your business. For an SBA Express loan, you can apply online through our Flex Lend® program. For our 504 and 7(a) loans, you’ll find that meeting with us face-to-face offers the kind of personalized care that ensures your success Simply Schedule an Appointment to set up a time and place that works for you.
Do I qualify for an SBA loan?
The SBA bases eligibility on what a business does to receive its income, the character of its ownership, and where it operates, as well as SBA size standards. You can also qualify if you’re a registered for-profit business, do your business in the U.S., have invested your own time and money into the business and have exhausted other financing option.
Call 800-270-7725
Monday–Friday, 8 a.m. – 5 p.m. CT
*Loan products are offered by Associated Bank, N.A., and are subject to credit approval and determination of SBA eligibility. Loans may involve interest and other costs. Please ask about details on fees and terms and conditions of these products. Relevant insurance coverage, if applicable, will be required on collateral.