SBA Lending

Atlantic Capital Bank is pleased to partner with the U.S. Small Business Administration with Preferred Lender Status to help small businesses get the money they need to grow.

How Do SBA Loans Work?

The U.S. Small Business Administration (SBA) provides a number of financial assistance programs for small businesses that have been specifically designed to meet key financing needs. The SBA does not make direct loans to small businesses. Instead, SBA sets the guidelines for loans, which are then made by its partners, like Atlantic Capital Bank. When a business applies for an SBA loan, it is actually applying for a commercial loan structured according to SBA requirements with an SBA guaranty.

Atlantic Capital Bank’s small business bankers are here to help answer your questions and guide you through the entire SBA loan process.

Why would a typical small business pursue an SBA loan?

Desire to purchase/build its own facilities
Need for additional capital equipment
Need to refinance existing debt
Business acquisition
Need for long-term working capital

What are the advantages of an SBA loan?

Lower monthly payments
Fully amortizing loans
Higher loan-to-value ratios
Longer terms than conventional loans
Lower down payments
Low or no prepayment penalties

SBA Franchise Lending Program

If you’d like to learn more about our SBA Franchise Lending Program, please click the link below.

SBA Franchise

In the News

Click the link below to view recent articles.

SBA Disaster Assistance
CARES Act and PPP Information

Getting Started – Applying for an SBA Loan

If you’d like to apply for an SBA loan or simply learn more about the SBA program and opportunities, click the appropriate region or state below to get started. You will be directed to the nearest SBA banker in your area. If you are unsure where to go, click the “get started” button at the top of the page to submit an inquiry and a small business lending banker will contact you shortly.

Georgia
Florida
Tennessee
Southern Region
Mid-Atlantic Region
Northeast Region
Midwest Region
West/Southwest Region

Click here to Download an Application

customer spotlight

Greenwood Brewing

“This personally is one of my proudest projects I have had the opportunity to be involved in from start to finish,” says Laurel. “To be a small part in making someone’s dream come true, especially a young woman in an industry that is perceived to be dominated by men couldn’t make me happier."

In Concert Productions, Inc.

“After watching all my previous banking relationships either disappear and/or be absorbed into large monolith organizations, or the fact that most of the banking industry has now turned faceless and retail-oriented, finding Atlantic Capital was a breath of fresh air. Not only did Atlantic Capital take the time to understand my unique needs and industry, I once again have direct relationships with real people in all aspects of my daily banking and long-term capital needs.”