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SBA Loans

Invest in your business.

If you're starting or expanding your business, an SBA loan can provide lower down payments and more flexible terms. As an SBA Preferred Lender, Simmons Bank can expedite the loan process so that you can get back to growing your business.

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Your source for small business lending.

At Simmons Bank, we offer a full suite of financing options to support your business’s growth.

7(a) Loans

A popular term loan that can support a wide array of business expenses.

Max loan amount:

$5 million

Uses:
  • Business acquisition
  • Working capital
  • Machinery & equipment
  • Commercial real estate
  • Debt refinancing
  • Leasehold improvement
Maturity:
  • Up to 25 years for real estate
  • Up to useful life of equipment
  • Up to 10 years for all other uses
Contact a lender

SBA 504 Loan

A popular fixed asset financing with low-interest rate SBA debenture.

Max loan amount:

$12.5 million
($5 million maximum debenture)

Uses:
  • Machinery & equipment
  • Commercial real estate
  • Debt refinancing
Maturity:
  • Up to 10 years for real estate (up to 25-year amortization)
Contact a lender

SBA Express Loan

A loan or revolving line of credit with streamlined processing.

Max loan amount:

$500,000

Uses:
  • Business acquisition
  • Working capital
  • Machinery & equipment
  • Commercial real estate
  • Debt refinancing
  • Leasehold improvement
Maturity:
  • For term loan: Same as 7(a) program
  • For line of credit: Up to 10 years, including term out
Contact a lender

Ready to get started?

As an SBA Preferred Lender, our lenders can provide complete one-on-one guidance and faster in-house approvals. Connect with our team to find the right financing solution for your business.

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SBA preferred lender
Faster, in-house approvals
Personalized service

Questions?
We're here to help.

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Find a Simmons Bank business lender in your area.

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