Holiday Hours

In observance of Veterans Day, SouthState locations will be closed on Wednesday, November 11. SouthState Customer Care will be open 8 a.m. - 5 p.m. ET. Transactions initiated or scheduled on a holiday are processed the next business day.

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Small Business Administration Loans

Start or Expand Your Business Today

SBA loans 1 create opportunity for those ready to move their business forward.

Compare OptionsFind a Lender
  1. Home
  2. Small Business
  3. Loans & Financing
  4. SBA Loans
Move Your Business Forward with an SBA Loan

Move Your Business Forward with an SBA Loan

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SBA 7(a) loans from $50,000 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:
  • Business acquisitions
  • Startups
  • Ground up construction
  • Purchase of Commercial Real Estate
  • Debt Refinance
  • Purchase Equipment and Inventory
  • Working Capital
  • Leasehold Improvements
Compare Options

SBA 7(a) loans from $50,000 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:
  • Business acquisitions
  • Startups
  • Ground up construction
  • Purchase of Commercial Real Estate
  • Debt Refinance
  • Purchase Equipment and Inventory
  • Working Capital
  • Leasehold Improvements
Compare Options

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 prequalification as quick as five minutes2
  • Loan commitments typically in 10 business days after receipt of completed application on most transactions

Other

  • Minimum loan amount $50,000
Find a Lender
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Which SBA Loan Works For You?

Compare SBA Loan Options

Frequently Asked Questions

SBA Forms

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Need Help with a USDA Loan?

Help rural America thrive with a USDA loan from SouthState. Our lenders work with you to keep your business moving forward.

Learn More

Small Business Resources


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    SBA 504 Loans

    Are you ready to expand your business? Or maybe you need to purchase new equipment? With advantages like a low down payment, a 504 SBA loan from SouthState can help keep your business moving forward.

    Use of Funds:
    • Purchase or Improve Commercial Real Estate
    • Ground Up Construction
    • Purchase Equipment
    Compare Options

    SBA 504 Loans

    Are you ready to expand your business? Or maybe you need to purchase new equipment? With advantages like a low down payment, a 504 SBA loan from SouthState can help keep your business moving forward.

    Use of Funds:
    • Purchase or Improve Commercial Real Estate
    • Ground Up Construction
    • Purchase Equipment
    Compare Options

    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 across the United States. 

     

    An SBA loan may have longer term limits and lower payments than other loans offered by SouthState; it is, however, dependent upon your qualifications.
    A navy blue line-art icon of a document with a circular checkmark badge at the bottom right.
    Personal Financial Statement - Form 413
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    Business Debt Schedule - Schedule of Liabilities
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    SBA 7a Borrower Information Form - Form 1919

    All loans are subject to credit approval.

    5 minute prequalification only applies to the SBA 7(a) small loan online application process

    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.

    Small Business Resources

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    9/6/2023

    Counting Every Penny: Tracking Business Financials

    By SouthState

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    3/31/2023

    What is a Small Business Line of Credit?

    By Mary Schnabel

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    4/10/2025

    The Ins and Outs of Cash Flow Management

    By SouthState

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    9/7/2021

    5 Key Fraud Prevention & Protection Tips for Your Small Business

    By SouthState

    Thumbnail for What Are SBA 7(a) Loans?
    4/30/2024

    What Are SBA 7(a) Loans?

    By Maddi Shuler

    View All