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SBA Loans

Get funding to start, expand, or grow your business from an SBA Preferred Lender.

SBA Loans Nationwide

As a business owner, you have several options to consider when it comes to getting funding. Small Business Administration (SBA) loans are popular among business owners because they are available in a wide range of amounts and offer longer repayment terms. In addition, SBA loans can be used for many different purposes. These include launching a startup, buying another company, expanding an existing business, boosting working capital, refinancing business debt, and purchasing fixed assets. Ameris Bank offers the SBA’s 7(a) and 504/CDC loan programs to businesses nationwide, and we are proud to be part of the SBA’s Preferred Lender Program (PLP).

  • SBA Preferred Lender
  • Flexible terms to improve repayment ability and preserve working capital

  • Terms as long as 25 years

  • Real estate loans

  • Franchise lending

  • Business acquisition financing

  • Equipment, working capital and inventory loans

  • Fast loan processing, competitive loan rates and one-on-one service

  • Reduced equity requirements

Benefits of choosing an
SBA Preferred Lender


Ameris Bank became part of the SBA Preferred Lender Program (PLP) based on its track record of success with the Small Business Administration and small business owners. The Preferred Lender status means that Ameris Bank has the authority to make approval decisions on SBA loans, which can accelerate the entire process. The reason is that Ameris Bank can review and administer your loan application in-house instead of sending it to the Small Business Administration for approval.

Banks and lenders that are SBA Preferred Lenders are required to complete a stringent recertification process every two years. So, you can feel confident knowing that Ameris Bank meets the highest standards set forth by the Small Business Administration.

 

SBA Financing Options

Ameris Bank offers loans through two major Small Business Administration programs. This chart can help you identify which type of financing might be appropriate for your business.

 

SBA 7(a) Term Loan

SBA 504 Term Loan

Loan or Line of Credit Term loan from $400,000 – $5,000,000 Term loan from $400,000 – $6,000,000 (Maximum of $5,000,000 for public policy and $5,500,000 for small manufacturers)
Ideal for For-profit businesses and experienced business owners starting a business Businesses with a net worth of $15 million or less and average net income of less than $5 million over the past two years 
Benefits Offers flexibility, longer terms, and lower down payments compared to other types of business financings Offers long term financing for long-term fixed assets
Use of Funds
  • Purchase of land or buildings, new construction, expansion or conversion of existing facilities
  • Purchase of equipment, machinery, FF&E or inventory
  • Long-term working capital
  • Refinancing existing business indebtedness
Purchase of commercial real estate, expansion of existing operations, funds to help local economy create jobs or purchase of machinery or equipment
Rate Information
  • Generally offers a variable interest rate, but sometimes may be fixed
  • Maximum variable rate is Prime + 3.0%
Fixed Rate Loan rate is set when debenture is sold


The attentive, responsive customer service you want


Ameris Bank is here to help you navigate through every step of the SBA loan process. Our knowledgeable SBA bankers, loan underwriters, and loan processors work diligently behind the scenes to ensure everything goes smoothly. Your primary contact will be one of our SBA bankers, who can answer any question and provide assistance and recommendations if needed. Ameris Bank’s longstanding commitment to exceptional customer service and our SBA Preferred Lender status has made us the choice of businesses in many different industries, a partial list of which is below.

SBA Lending Friendly Industries 

  • Convenience stores and gas stations

  • Certified public accounting firms

  • Dental practices

  • Law firms

  • Medical practices

  • Mini-storage businesses

  • Pharmacies

  • Restaurants

  • Veterinarian
  • And more!

YOUR SUCCESS IS OUR JOB

We're here to help every step of the way.

YOU'VE COME TO THE RIGHT PLACE

We're here to help every step of the way.

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* All loans subject to credit approval.

Ameris Bank is a full-service financial institution providing SBA loans nationwide. Contact us to learn more. We offer a variety of competitive small business lending products.