SBA Loan Advantages
Making it easier to get a loan
SBA loans are backed by government-sponsored loan guarantees and are available to for-profit businesses in virtually every industry. With an SBA loan, you'll enjoy the flexibility of lower down payments and longer financing terms than conventional loan options. Plus, UBT can utilize Special Purpose Loan Programs, make in-house credit decisions, accelerate your approval process, and provide more timely service than other banks.
SBA 7(a) Loan: Getting started
The 7(a) loan program — which is the SBA's most popular program — includes financial help for businesses with special requirements. SBA 7(a) loan proceeds can be used to help buy an existing business, start a new business, or expand an existing business.
SBA 504 Loan: Expanding your business
The SBA’s 504 loan program is for small businesses needing to acquire major fixed assets, to expand, to modernize, or to construct a new facility. This program provides long-term, fixed-rate financing to encourage community growth and business expansion.
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Loan products subject to credit approval.