SBA loan programs are designed to help you start, purchase or expand a small business. Loans can be used for real estate occupied by the business, equipment purchases, and working capital. These government-guaranteed loans help small business owners succeed through smaller down payments, no minimum loan amount, and flexible repayment periods. Because the terms of the loan are tailored to meet the needs of the business, we recommend that you contact one of our commercial lending staff to discuss the terms and rates specifically available for your business needs.