SMALL BUSINESS ADMINISTRATION LOANS

Start or Expand Your Business Today

SBA loans1 create opportunity for those ready to move their business forward.

Move Your Business Forward with an SBA Loan

SouthState specializes in providing long-term financing through the U.S. Small Business Administration (SBA) loan guarantee program. Our experienced team of SBA lenders understands the needs of today’s small business and can help you navigate the loan process every step of the way.

SBA 7(a) Loans from $250,000 up to $5 Million

An SBA loan offers the flexibility you may not be able to find with other traditional small business loans. Borrowers typically receive longer terms and lower payments.

Use of Funds:
  • Acquire an Existing Business, including Goodwill
  • Start a Business or Franchise
  • Purchase or Construct Commercial Real Estate
  • Refinance Existing Debt
  • Purchase Equipment and Machinery
  • Provide Working Capital
  • Construct Leasehold Improvements
  • Purchase Inventory
Consider the benefits of a flexible SBA Loan

Consider the benefits of a flexible SBA Loan

Interest Rates and SBA Fee

  • Variable rates tied to Prime
  • SBA guarantee fee (can be financed in most circumstances)

Timing

  • Loan prequalified within 48 hours
  • Funding as fast as 30 days
  • Loan commitments typically in 10 business days after receipt of completed application on most transactions

Other

  • Minimum loan amount should be $250,000
  • Cash Flow should be a historic 1.15 on most loans, we will factor in projections
Icon image for Which SBA Loan Works For You?

Which SBA Loan Works For You?

Compare SBA Loan Options
Frequently Asked Questions

Frequently Asked Questions

A SBA loan is a loan that is guaranteed by the U.S. Small Business Administration. While the SBA doesn’t provide the actual loan they do provide the guidelines lending institutions must follow to make it easier for small businesses to get loans.

Yes, SouthState is an SBA Preferred Lender serving businesses in Georgia, North Carolina, South Carolina and Virginia.

 

An SBA loan may have longer term limits and lower payments than other loans offered by South State; it is, however, dependent upon your qualifications.
Get Started

Get Started


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Stories and Insights


  1. All loans are subject to credit approval.

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