Grow Your Business With Confidence!

We are dedicated to supporting the growth and success of your small business journey, every step of the way. That is why we offer Small Business Administration Loans!
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Why SBA Loans?

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What are SBA Loans?

SBA loans are government-backed loans provided by the U.S. Small Business Administration (SBA) to help small businesses accessfinancing with favorable terms and lower down payments, typically used forstarting, expanding, or operating a business.
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Government Guarantee

The SBA guarantees a significant portion of the loan, reducing the risk for lenders.
Category

Flexible

Funds can be used for a variety of business needs, including working capital, equipment purchase, real estate acquisition, and debt refinancing.
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Lower Down Payments

Borrowers may benefit from lower down payment requirements, making it easier to secure financing.

SBA 504 Loan

Are you looking to expand, purchase, or refinance debt associated with a property?

Is your business looking to purchase heavy equipment for your small business? The SBA 504 loan requires only a 10% borrower contribution and offers fixed rate financing with a longer term then conventional options!

Startup and special-purpose properties may require an additional contribution from the borrower.

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SBA 7(a) Loan

Is your small business looking to purchase real estate or refinance?

Are you thinking about expanding your business or completing a partner buy-out/business acquisition?

The SBA 7(a) loan program offers flexible terms with a fully amortizing loan and low monthly payments to help your business with all its needs!

How it works

SBA loans work by the U.S. Small Business Administration partnering with approved lenders, such as banks or credit unions, to provide loans to small businesses. The SBA guarantees a portion of the loan, reducing the risk for lenders and allowing them to offer more favorable terms, such as lower interest rates and longer repayment periods. Businesses apply through an SBA-approved lender, which will review the application, underwrite the loan, and disburse the funds upon approval.

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SBA loans are subject to SBA eligibility and other requirements. Additional conditions may apply. All loans are subject to credit approval. Terms, rates, and conditions are subject to change without prior notice. Ponce Bank is approved to offer SBA loan products under SBA’s certified lender program.