Borrowing Needs
SBA Loans - Financing the growth of your small business.

The Small Business Administration (SBA) is a federal government agency that offers various programs and services to help small businesses start, grow and succeed. Through its loan guaranty programs, the SBA shares in the risk of full loan repayment ability. This enables the lender to accept greater risk in loaning funds to borrowers that may not otherwise qualify for conventional financing.

Integra Bank has been recognized by the SBA as a National Preferred Lender for its ongoing proficiency in processing and servicing SBA-guaranteed loans. As a Preferred Lender, Integra offers a streamlined and faster SBA application process and loan decision.

SBA Loan Comparisons

SBA 7a
SBA Express
SBA Patriot Express1
SBA 504
Loan Type Term loan Term loan or line of credit Term loan or line of credit Term loan
Maximum Loan Amount2 $2,000,000 $350,000 $500,000 $3,000,000
Typical Uses Startup, business acquisition, commercial real estate, equipment Working capital, startup, business acquisition, commercial real estate, equipment Working capital, startup, business acquisition, commercial real estate, equipment Purchase, new construction, or major renovations of commercial real estate, major equipment purchases
Terms Up to 20 years for commercial real estate; up to 10 years for all other purposes Up to 7 years for revolving line of credit; up to 20 years for commercial real estate; up to 10 years for all other purposes Up to 7 years for revolving line of credit; up to 20 years for commercial real estate; up to 10 years for all other purposes Up to 20 years for commercial real estate; up to 10 years for all other purposes
Borrower Equity Requirement Up to 20% Up to 20% Up to 20% Up to 10%

>1To qualify for the Patriot Express program, the borrower must be at least 51% owned or controlled by one of the following:

  1. Veteran (other than dishonorably discharged)
  2. Service-disable veterans
  3. Active duty service members eligible for the military's Transition Assistance Program
  4. Reservists and National Guard members
  5. Current spouses of any of the above
  6. Widowed spouse of a service member or veteran who died during service or of a service-connected disability

2Subject to credit approval and SBA eligibility approval. SBA guaranty fee is required. Other processing fees and closing costs may apply.