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Small Business Administration Lending

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Get details on the Small Business Administration Paycheck Protection Program.

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When it’s time to move your business forward, a U.S. Small Business Administration (SBA) loan from Wells Fargo may be the solution if you’re seeking a financing option with:

  • Long repayment terms. This means lower monthly payments.
  • Lower down payments. Makes upfront costs more affordable.

The difference between SBA loans

SBA 7(a)

  • Designed for businesses looking to acquire an existing business, buy-out a partner, expand to another location, purchase real estate or equipment, or those looking to combine any of these needs into one loan.
  • Appropriate for longer term financing for businesses with net worth below $15 million and an average net income below $5 million.
  • Loan amount is up to $5,000,000.
  • Terms are up to 25 years for commercial real estate and up to 10 years for all other purposes.
  • Interest rates can be either fixed or variable.

SBA 504

  • Designed for businesses looking to expand through land or building acquisition, construction, or equipment purchase.
  • Appropriate for longer term financing for businesses with net worth below $15 million and an average net income below $5 million.
  • Loan amount is up to $6,500,000 for the Wells Fargo portion and up to $5,000,000 for the portion funded by a Certified Development Company.
  • Terms are up to 25 years for commercial real estate and up to 10 years for machinery or equipment.
  • Interest 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

Learn how others have started or grown their business with an SBA loan from Wells Fargo.

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