SBA and USDA Loans

The 7(a) Loan Program is the most popular program for the Small Business Administration (SBA). It is used for a great number of reasons by start-up and existing small businesses that might not be able to secure loans through standard channels. 

• Terms up to 10 years for working capital
• Terms up to 25 years for fixed assets
• Purchase land, buildings, equipment, inventory, and fixtures
• Leasehold improvements
• Refinancing debts for compelling reasons
• Start-up business
• Quick, local decisioning right here in Central New York
• Attentive, friendly service from start to finish

For more information on SBA loans, click here.

Also called the Certified Development Company (CDC) Program, SBA 504 loans are designed to provide long-term, below market, fixed rate financing for major fixed finances and real estate.

• Construction of new facilities
• Renovating or converting existing facilities
• Purchasing land and improvements
• Purchasing long-term machinery and equipment
• The 504 Program cannot be used for short-term working capital
• Quick, local decisioning right here in Central New York
• Attentive, friendly service from start to finish

For more information on SBA loans, click here.

SBA Express is a loan program that streamlines the processing and loan procedures for less complex SBA Loans. Costs are lower and decisions are faster.

• Accelerated process for short-term needs
• Seasonal lines of credit
• Quick, local decisioning right here in Central New York
• Attentive, friendly service from start to finish

For more information on SBA loans, click here.

Improve or expand your rural business with a USDA Business Loan. The United States Department of Agriculture (USDA) has programs to support for-profit and non-profit entities, cooperatives, public bodies and Federally recognized Tribes.

• Expand your business
• Install new machinery and equipment
• Refinance debit to improve cash flow and create jobs
• Quick, local decisioning right here in Central New York
• Attentive, friendly service from start to finish

For more information on USDA loans, click here.