SBA Loans

Work with an SBA Preferred Lender to launch and grow your business.*

Providing Small Business Administration (SBA) Loans to businesses nationwide

The right loan program is crucial to launch and expand your business. SBA Loans are available in a wide range of amounts you can use for many different purposes and offer longer repayment terms. Whether you're launching a startup, buying another company, expanding an existing business, boosting working capital, refinancing business debt or purchasing fixed assets, an SBA Loan could be your best option. Ameris Bank offers the SBA’s 7(a) and 504/CDC loan programs to small businesses nationwide, and we're proud to be part of the SBA’s Preferred Lender Program (PLP).

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 a track record of success with the Small Business Administration and small business owners. The Preferred Lender status means Ameris Bank has the authority to approve SBA Loans, which can accelerate the entire process, rather than relying on the Small Business Administration for approval.

SBA Preferred Lenders are required to complete a stringent recertification process every two years. Be assured that Ameris Bank meets the highest standards set forth by the Small Business Administration.

SBA Loan Options

Ameris Bank offers loans through two major Small Business Administration programs.

SBA 7(a) Term Loan

SBA 504 Term Loan

Term loan from $400,000 – $5,000,000

Term loan from $400,000 – $5,500,000 (Maximum of $5,000,000 for public policy and $5,500,000 for small manufacturers)

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

Offers flexibility, longer terms, and lower down payments compared to other types of business financings

Offers long term financing for long-term fixed assets

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

Generally offers a variable interest rate, but sometimes may be fixed
Maximum variable rate is Prime or SBA Optional Peg Rate plus 3.0%

Fixed Rate Loan rate is set when debenture is sold

Invested in your business

Our knowledgeable SBA bankers, loan underwriters and loan processors work diligently to ensure everything goes smoothly. Your primary contact will be one of our SBA bankers ready to answer questions and provide assistance and recommendations, if needed.

Apply Now

First Name*

Email*

Last Name*

Phone*

Company*

How much funding do you need?:*

State/Province*

What will the loan be used for?:

Estimated Credit Score:*

Where is the business located?*

Existing business or start-up?:

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