Download Acrobat Reader 5.0 or higher to view .pdf files. Central Bank PERSONAL BUSINESS LENDING RESOURCES CONNECT LOGIN SBA & USDA Loans SBA Preferred Lender Central Bank is approved to offer SBA loan products under SBA’s Preferred Lender Program (PLP). PLP is SBA’s highest designation to the most qualified SBA lenders. We offer creative SBA and USDA financing solutions throughout the States of FL and GA. If you’d like additional information on obtaining an SBA or USDA loan from Central Bank, please contact one of the below loan officers. CHRIS TOMLINSON, SVP GGL LOAN OFFICER Phone: 904.328.9622 Email: ctomlinson@centralbankfl.com Fast Facts on SBA vs USDA Loan Guarantee Programs « Swipe for More » SBA 7a USDA Rural Development LOAN AMOUNTS $5 Million maximum $10 Million maximum (generally) GUARANTEES 75% 80% on loan amounts under $5 Million 70% on loans between $5 - $10 Million LOAN TERM 25 years for real estate 15 years or useful life of equipment 7 or 10 years for working capital 30 years for real estate 15 years or useful life of equipment 7 or 10 years for working capital PROPERTY TYPE Owner occupied commercial property Owner occupied OR investment property INTEREST RATE Variable Fixed or Variable PREPAYMENT PENALTY 5%-3%-1% for loan terms over 15 yrs. Negotiated between parties LOCATION RESTRICTIONS None Must be located in "rural" location outside of metropolitan areas LENDER'S LOAN FEES None Negotiated between parties SWITCH KIT Ready to make the switch to awesome? Get started today! Switch to Central Bank FINANCIAL CALCULATORS We offer great online tools to help you manage your finances. Use Financial Calculators BUSINESS Business accounts to cover all your bases Check your balance, make deposits, transfer funds all without having to leave the office or store! Explore Business Banking Back to the top Central Bank LEGAL Notice to Our Customers Terms & Conditions Careers Internet Gambling QUICK INFO Privacy Policy Fees USA PATRIOT Act Security Statement BANK INFO NMLS #406403 Phone: 813.929.4477 (Tampa-Corporate Offices) Routing #063116203 Facebook (Opens in a new Window) LinkedIn (Opens in a new Window) © 2021 Central Bank Member FDIC Equal Housing Lender Created by Jack Henry Digital Verified: Dec 4, 2021