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SBA loans to acquire, grow, and expand your business
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small-business-owner-e1762882201747 Small business owner working on a laptop in a plant shop, exploring SBA loan options

Loans backed by the U.S. Small Business Administration (SBA) help small businesses access financing for growth, expansion, and ongoing operations.

Why an SBA loan may be right for your business

You’re looking for guidance

Working with an experienced SBA lender can make navigating requirements and paperwork more manageable.

You want to preserve your cash

Low down payments help keep more of your business savings available for other priorities.

You’re looking for manageable monthly repayments

Longer loan terms, up to 25 years, can help lower your monthly repayment amount.

You want to buy or improve your workspace

Financing can be used to purchase or upgrade the property where your business operates.

You’re ready to acquire or expand your equity in a business

An SBA loan can support a business acquisition or partner buy-out to help you grow ownership.

You want to protect your credit score

Your initial inquiry doesn’t trigger a hard credit check, so exploring SBA options won’t affect your credit.

Government-backed
Lending Programs

Flexible financing that helps small businesses fund acquisition, expansion, property purchases, and other growth goals.

SBA 7(a) Loan

The SBA 7(a) Loan is one of the most popular forms of government-backed business financing. It can be used for:

  1. Working capital
  2. Business acquisitions
  3. Partner buy-outs
  4. Equipment purchases
  5. Refinancing existing debt
  6. Real estate purchases and upgrades for your business

Key advantages:

  1. Loan amounts up to $5 million
  2. Repayment terms as long as 25 years
  3. Low down payments
  4. Flexible use of funds
  5. No loan covenants mean simpler terms to comply with
  6. Financing may be available for closing costs and fees
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USDA Business
& Industry Loan

The USDA Business & Industry (B&I) Loan is a flexible government-guaranteed business loan for eligible companies in rural areas. Backed by the U.S. Department of Agriculture, it promotes job creation and local economic growth. It can be used for:

  1. Expanding or modernizing business facilities and operations
  2. Purchasing land, buildings, or infrastructure for commercial or industrial use
  3. Buying and installing machinery, equipment, or inventory
  4. Refinancing debt to improve cash flow and support job retention
  5. Acquiring a business when the loan helps preserve or create local jobs

Key advantages:

  1. Affordable financing for rural businesses
  2. Supports rural economic growth by helping businesses access capital through guaranteed loans
  3. Supports projects in rural areas with populations under 50,000 even if the business headquarters is in a larger city
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Why borrow from us?
Because Banesco USA loves small business.

When it comes to SBA and USDA B&I loans, experience matters. Banesco USA is an SBA-approved lender serving Florida, Puerto Rico, and businesses nationwide. We combine the reach of a national lender with the personalized attention of a local banking partner. Our team of SBA lending specialists takes the time to understand your business, guide you through the process, and deliver financing designed around your goals.

What sets Banesco USA apart:

  1. Dedicated SBA and USDA B&I loan specialists who stay with you from application to funding
  2. Streamlined underwriting and transparent communication
  3. Proven success helping small businesses across multiple industries

At Banesco USA, you’re not just applying for a loan. You’re working with a lender committed to helping your business succeed with confidence.

Frequently asked questions about SBA loans

What is an SBA Loan?

An SBA loan is a small business financing option that is funded and serviced by Banesco USA and partially guaranteed by the U.S. Small Business Administration (SBA). It allows lenders like Banesco USA to offer longer terms, lower down payments, and more flexible uses than other types of business loans.

What’s the difference between SBA 7(a) and USDA B&I loans?

SBA 7(a) loans support businesses across industries and locations, while USDA B&I loans are available to eligible businesses in rural areas that contribute to local economic development.

Who qualifies for an SBA loan?

SBA and USDA B&I loans are designed to make financing more accessible for small businesses. To begin the application process, a business must operate for profit in the U.S., Puerto Rico, or other U.S. territories, and all owners must be U.S. citizens or legal permanent residents.

How long does SBA loan approval take?

The SBA loan process typically takes 30 to 90 days, depending on the loan amount and documentation required. Banesco USA specialists help ensure your application is complete so your request moves forward as smoothly as possible.

What can SBA loans be used for?

Funds can be used for a wide range of purposes including working capital, equipment purchases, business acquisition, to purchase commercial real estate, or refinancing existing debt.

Is Banesco USA an SBA-approved lender?

Yes. Banesco USA is a designated SBA lender providing loans across the U.S. and Puerto Rico. Our team combines specialized knowledge with a personal approach to help you secure the financing that fits your business.

Connect with an SBA Lending Specialist

Disclosures:
SBA loans are subject to credit approval. Additional conditions may apply.
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