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SBA Loans

SBA loans are designed to benefit business owners with a choice of financing options. These loans are guaranteed by the Small Business Administration and typically feature lower down payments and more flexible underwriting guidelines than conventional business financing.


SBA Lending

HomeStreet Bank is one of the only Pacific Northwest-based lenders selected to receive national Preferred Lender Program (PLP) status from the U.S.Small Business Administration. PLP designation streamlines the underwriting and closing of SBA-guaranteed loans. HomeStreet received this designation based on a solid track record of working with the SBA and our ability to demonstrate a high proficiency in underwriting and servicing SBA guaranteed loans. This status demonstrates HomeStreet’s expertise and commitment to small-business lending. Let us show you the benefits and flexibility of an SBA loan. 

SBA loans serve a variety of business financing needs, including:

  • Financing inventory and equipment purchases
  • Owner-occupied commercial real estate financing
  • Business acquisition or expansion
  • Term financing for working capital
  • Refinancing business debt
  • Asset- based lines of credit (LOC)
  • Financing for international trade

SBA loans are available to many types of businesses, from established businesses to start-ups. Successful, expanding businesses are the ideal candidates for SBA financing. Regardless of the age or size of your business, our SBA lending experts can guide you through the process, from the initial comparison of loan programs, to application, processing and funding for your business.

SBA loan choices from HomeStreet Bank:

 
  • SBA 7(a) Real Estate Loan
    • Commercial real estate purchase, refinance or construction
    • Term loan (up to 25 years) for up to $5 million
  • SBA Advantage Loan Program
    • Used to acquire a business, start a business, purchase equipment, provide working capital, refinance debt or to finance inventory.
    • Term loan (7 to 10 years) for up to $5 million
  • SBA Express Loan/Cap Lines
    • Same business financing purposes as SBA 7(a) Business Loan
    • Revolving line of credit with a 7 year term
  • SBA Grow Loan Program
    • Used to purchase or construct owner-user commercial real estate, finance equipment purchase or construction improvements for existing facilities, or refinance debt
    • Term loan (20 to 25 years) for up to $11.25 million.

View our SBA loan programs summary to learn more details of these business financing options.

 

Find an SBA Loan Officer

Having the right people on your side is important when it comes to SBA Lending.  Luckily for you, we’ve put together a team of some of the most knowledgeable and experienced Commercial Lending Relationship Managers in the industry to make sure you’re presented with the best business financing options for you. Our people make it a point to get to know you and your business. They can be a valuable asset as you explore the many available business financing options.