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.
In the News
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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.