A Small Business Administration Loan from Reliance Bank could be just what your business needs to get going or keep growing. We offer multiple financing options across a range of terms to meet your specific business needs, making it as easy as possible to help you secure the loan you need.
Small Business Administration Loan Benefits
Find a loan that works for you
Borrow up to $5 million
Choose from a range of terms depending on your needs
Pay reduced fees on SBA 7(a) loans of $150,000 or less
Ready to take the next step?
Whether you’re looking to start a business, expand, buy equipment, or manage day‑to‑day expenses, SBA loans provide a reliable, business‑friendly way to get the capital you need.
Questions we get asked, frequently.
How do I qualify for a Small Business Administration Loan?
To qualify, your business must be for-profit and meet the SBA size standards, as well as show good character, credit, management, and the ability to repay your loan.
Can my business be too big to qualify?
Yes. To be eligible, your business must have a tangible net worth of under $15 million or a 2-year average net income of less than $5 million after federal taxes.
Are there any other requirements for business owners?
Yes. Anyone who owns 20% or more of the business must personally guarantee the loan. Borrowers must also have a minimum of 10% equity injection.
What types of SBA Loans do you offer?
Reliance Bank offers 7(a) Loans, Express Loans, and Rural Lender Advantage.
What does a Small Business Administration 7(A) Loan offer?
Borrow a maximum of $5 million, with a maximum guaranty of $3.75 million. Loans of up to $150,000 require a guaranty of 85%, or 75% on loans over $150,000.
What does an Express Loan offer?
With an Express Loan you, can borrow a maximum of $500,000 with a 50% guaranty.
What does a Rural Lender Advantage Loan offer?
A Rural Lender Advantage Loan allows you to borrow a maximum of $350,000 with a 50% guaranty. Loans of up to $150,000 require a guaranty of 85%, or 75% on loans over $150,000.