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Popular for Small Businesses
Business Essential Checking
Checking that works as hard as you do

No minimum balance, 300 free items, and easy mobile banking. 

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Treasury Services
  • Account Payable Solutions

    Manage business expenses with secure, streamlined payment solutions.

  • Receivables

    Streamline collections and improve cash flow with secure solutions.

  • Fraud Prevention

    Protect your business with advanced tools to detect and prevent fraud.

  • Treasury Essentials

    Core tools to manage cash flow and optimize liquidity.

  • Positive Pay

    Protect your accounts with advanced check and ACH fraud prevention.

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Effortless payments

Send payroll, vendor payments, or customer refunds securely and efficiently.

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One less thing on your to-do list

Free checking with no fees and instant digital access - simple banking for busy families.

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Saving for life's big moments

Grow your money for future wedding plans, college expenses or home updates.

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Popular for Small Businesses
SBA Lending Team
Experts who get business

Guiding you through every step from application to closing with fast approvals and tailored support.

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Popular for Commercial Businesses
Expansion Loans
Fuel your next chapter

Flexible financing to invest in equipment, locations, or working capital tailored for your business goals.

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Specialized Industries
Unmatched industry expertise

Receive personalized service from a commercial banker who understands your industry sector. 

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Business Cash Preferred Card
Keep your business moving forward

Earn cash back on everyday business expenses and bonus categories, all with no annual fee.

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Meet the Ameris Business Banking Team

Our knowledgeable business bankers are here to help you achieve your financial goals.

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Meet your business goals

Tap into our financial tools and resources to give your business an edge.

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Your family's financial future

At Ameris, we focus on your finances so you can focus on your family.

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Get a Free Business Valuation

As a business owner, understanding your present and discounted value can give you better insight into your business’s assets, as well as how well you are performing within your industry.

Request Valuation

Complete the form below and one of our SBA Lending Experts will be in touch shortly.

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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 CreditTerm loan from $400,000 – $5,000,000Term loan from $400,000 – $6,000,000 (Maximum of $5,000,000 for public policy and $5,500,000 for small manufacturers)
Ideal forFor-profit businesses and experienced business owners starting a businessBusinesses with a net worth of $15 million or less and average net income of less than $5 million over the past two years 
BenefitsOffers flexibility, longer terms, and lower down payments compared to other types of business financingsOffers 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

* 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.