Small Business Administration (SBA) Loans

The US Small Business Administration offers a variety of loan programs to assist small business owners. Lake City Bank is a certified SBA Express lender, and is an approved lender under the SBA Preferred Lender Program, both of which streamline the process for prospective borrowers. Our lenders understand available SBA loan options, and can help guide you through an SBA Loan application.

SBA 504 Loan
Designed to provide financing for the purchase of fixed assets, including real estate, buildings and machinery at competitive interest rates. As part of its mission to promote the development of businesses, the SBA offers a number of different loan programs tailored to specific capital needs of growing businesses.

SBA 7(a) Loan
This loan is the SBA’s primary program for helping eligible start-up and existing small businesses with financing for a variety of general business purposes. SBA does not make loans itself, but rather guarantees a portion of the loans made by Lake City Bank. SBA 7(a) loans have a maximum loan amount of $5 million.

SBA Express Loan
Lake City Bank is an approved Express Lender with the SBA, which permits us to complete the underwriting and documentation on our own while following the SBA’s standards for the 7(a) loan program. This provides faster turnaround time for our clients. Revolving lines of credit also may be approved under the Express Program.

Drop in one of our branch locations or call our One Call Center at (800) 827-4522.

Inquire about a loan

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