Small Business Administration Lending

Helping open more doors for small businesses

You come first with the nation's #1 SBA lender

When it's time to move your business forward, a U.S. Small Business Administration (SBA) backed loan from Wells Fargo may be the solution you're looking for. Whether it's an SBA 7(a) or SBA 504 loan, they can have great advantages over conventional loans, including:

  • Long repayment terms. This means lower monthly payments.
  • Lower down payments. Makes upfront costs more affordable.
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The difference between SBA loans

SBA 7(a)

  • Designed for businesses looking to purchase an existing business, expand to another location, buy equipment, acquire land or a building, or a combination.
  • Loan amount is up to $5,000,000.
  • Terms are up to 7 years for working capital, 10 years for equipment, and 25 years for real estate.
  • Rates are fixed or variable.

SBA 504

  • Designed for businesses looking to expand through land or building acquisition, construction, or equipment purchase.
  • Loan amount is up to $6,000,000 for the Wells Fargo portion.
  • Terms are up to 20 years on Real Estate and up to 10 years on machinery or equipment.
  • Rates are fixed or variable.
Watch our video to get to know the SBA programs

Get to know the SBA loan programs

Learn more about our Small Business Administration loans and which may be best for you.

Watch video

Loan amount

The SBA 504 loan can accommodate larger project sizes. The maximum SBA loan is $5 million (or up to $5.5 million for small manufacturers).


Amortizations up to 30 years