Small Business Administration LOANS

SBA loans offer flexible financing solutions.

You’re a business looking to grow.  Fulton Bank is a leading lender who meets all SBA Preferred Lender Program eligibility requirements – including the processing and servicing of SBA-guaranteed loans. 

We have the experience to help you cut through the red tape often associated with business lending. By leveraging the advantages of SBA financing, you can enjoy the benefits of easier qualification and lower down payments than most standard loans.

SBA Loan Programs:

7(a) Loan Guaranty Program

SBA's most popular loan program, the 7(a) Guaranty Program has longer maturities which means lower monthly payments and increased cash flow for your small business. This is a great option for small business or startups looking to finance a business acquisition, owner-occupied real estate, debt refinancing, inventory, working capital, and more.

• Loans amounts: Up to $5,000,000
• Loan Terms: Up to 15 years

Small Loan

Small Loan is an excellent choice for equipment, inventory, and debt refinancing. With longer loan maturities you can expect lower monthly payments and increased cash flow. 

• Loan amounts: Up to $350,000
• Loan terms: Range from 7 – 25 years

SBA Express

These loans are a great option for small businesses who need financing decisions quickly and can also be utilized as a revolving line of credit.

• Loan amounts: $50,000 to $350,000
• Loan terms: Up to 7 years

Export Express

A loan specifically designed for exporters, the Export Express is for businesses that are at least a year old.

• Loan amounts: Up to $500,000
• Loan terms: Line of credit or term loan

Export Working Capital

For larger exporters that need working capital to support their sales.

• Loan amounts: Up to $5,000,000
• Loan terms: Line of credit

International Trade (IT)

The International Trade loan can be used to fund working capital, equipment, and/or real estate to support growing export sales and international trade.

• Loan amounts: $350,000 - $5,000,000
• Loan terms: Range from 7 – 25 years

CAPline Loans

For small businesses that have been operating for at least one year.  The CAPline loan program helps small business meet their short term working capital needs. The series features multiple lines of credit for specific uses:

• Working CAPLine: Secured by your receivables and inventory
• Contract CAPLine: Finances up to 100% of labor and material costs to fulfill a specific contract.
• Seasonal CAPLine: Proceeds must be used to seasonal increases of inventory or increased labor costs.