Small Business Administration Loans

The Small Business Administration (SBA) loan programs offered through Valley Business Bank provide financing for small to mid-sized businesses. Loans are available for most business purposes or expansion needs. Repayment terms are generally longer than conventional loans programs, which can have a positive impact on your company’s monthly cash flow.

SBA Loans can be Used for:

• Business Acquisitions or Expansions
• Purchase/Construction of Commercial Real Estate
• Building Improvements
• Inventory
• Purchase of New/Used Equipment, Furniture, & Fixtures
• Working Capital
• Business Debt Refinancing (under special conditions)
• Business Start-Ups

Why Choose an SBA Loan?

A Small Business Administration (SBA) loan generally offers longer maturities and lower down payments. These features provide your business with more flexibility than a traditional business loan.

Eligible Businesses

More than 90% of all business are eligible. Our SBA loan specialists can assist you in determining the eligibility requirements of the SBA.

Loan Repayment

Maturity of loans vary depending on purpose of loan. Typical maximum maturities are shown below:

PURPOSE Working Capital Inventory Equipment Real Estate

MAXIMUM MATURITY 7 years 7years 10 years 25 years

Qualifying Credit Standards

• Adequate primary source of repayment (i.e., cash flow from operations)
• Secondary source of repayment (i.e., collateral consisting of business assets, real estate and/or fixed assets.)
• Personal guarantees of individuals whose ownership in the company is 20% or more
• Management ability/experience.

Contact Information

Jeff Lefler, Vice President/SBA Manager
Telephone Number - (559) 636-0216, ext. 121
E-mail Address - Jlefler@valleybusinessbank.net