SBA Lending
Some business goals call for a financing path supported by the U.S. Small Business Administration. Loyal Trust Bank’s commercial lending options include SBA loans designed to encourage the growth and development of eligible businesses.
A Guided Path Through SBA-Supported Financing
Business Growth · Property or Assets · Working Capital · Ownership Transitions
SBA programs, permitted uses and eligibility requirements vary. Use this page as a starting point, then consult Loyal Trust Bank and official SBA resources for current details.
THE BASIC STRUCTURE
SBA-Supported Financing
An SBA loan is made by a participating lender and partially guaranteed by the U.S. Small Business Administration.
THE BUSINESS PURPOSE
Financing for Eligible Goals
Depending on the program, SBA-supported financing may address needs such as growth, assets, property or working capital.
THE NEXT STEP
Guidance From a Lender
Discuss your business, financing purpose and eligibility questions with Loyal Trust Bank before selecting a program path.
Please note: SBA program rules and lender requirements apply. Financing is subject to application, eligibility, credit review, underwriting and approval.
SBA CLIENT TESTIMONIALS
Real Businesses. Trusted Partnerships.
Hear directly from business owners who worked with Loyal Trust Bank to navigate the SBA lending process and move their businesses forward.
Dr. John Bojescul, MDLoyal Trust Bank SBA Customer
Angela Pau, Owner/CEO Loyal Trust Bank SBA Customer
PREPARE WITH PURPOSE
Turn a Business Goal Into a Clear Financing Request
SBA-supported financing can involve both lender requirements and program requirements. Preparation helps the lending team understand the business and identify an appropriate path to explore.
Define the Financing Need
Clarify the amount, intended use, desired timing and expected business impact of the request.
Organize Business Information
Prepare ownership, operating history, financial statements, tax returns and project information that may be requested.
Review Eligibility and Options
Discuss current SBA program availability and requirements with Loyal Trust Bank and consult SBA.gov.
Prepare for an SBA Lending Conversation
Documentation varies by program and borrower. These categories can help you organize the initial discussion without assuming approval or a particular SBA structure.
Business Plan & Purpose
Explain the business, financing purpose and how the requested funds support the plan.
Ownership Details
Prepare current ownership information and details about applicable owners or guarantors.
Business Financials
Organize available statements, tax returns, debt schedules and financial projections when relevant.
Personal Financial Information
Owners or guarantors may be asked for personal financial and tax information.
Project Documentation
Gather purchase agreements, leases, estimates, property or equipment details when applicable.
Timeline & Questions
Identify key dates and questions about eligibility, documentation, costs and the review process.
Authoritative resources: SBA loan programs · SBA size standards · Commercial Lending
Need to Compare SBA and Conventional Commercial Options?
Explore Loyal Trust Bank commercial lending and discuss which available financing path best aligns with your business goal.
Commercial real estate · Business assets · Working capital
Explore Commercial Lending
Review additional commercial financing conversations, then connect with our team about your project and timeline.