SBA Financing Options

Ameris Bank SBA Financing offers an array of products designed for the needs of small businesses of all sizes, across numerous industries.

  • Flexible terms to improve repayment ability and preserve working capital
  • Equipment, Working Capital and Inventory Loans
  • Terms as long as 25 years
  • As low as 10% equity requirements
  • In-house and fast loan processing, competitive loan rates and one-one-one service

SBA Financing options include:

  • Real Estate Loans
  • Franchise Lending
  • Business Acquisition Financing

Ameris Bank is an SBA Preferred Lender and an SBA Express and Export Lender.

Term Loan Table
SBA 7(a) Term Loan SBA 504 Term Loan
Loan or Line of Credit Term loan from $200,000 – $5,000,000 Term loan from $150,000 – $6,000,000
(Maximum of $5,000,000 for public policy and $5,500,000 for small manufacturers)
 Ideal for For-profit businesses

Experienced business owners starting a business

Businesses with a(n):

Net worth of $15 million or less and

Average net income of greater 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
  • Purchase of machinery or equipment
 Rate Information Generally offers a variable rate, but sometimes may be fixed

Maximum variable rate is Prime + 2.75%

Fixed Rate

Loan rate is set when debenture is sold