SBA 7(a) Loan Program

Program Highlights

  • Complete financing*
  • Fully amortized loans; no balloons

Use of Funds

  • Purchase, construction, or renovation of commercial┬áreal estate for owner-users
  • Purchase of equipment
  • Working capital and inventory
  • Business buyouts
  • Financing for franchises
  • Some refinancing of existing debt


  • Up to 25 years, depending on use of funds and repayment ability

Interest Rate

  • Call for current rate


  • Vary based on loan size, guaranteed portion, and qualification


  • Pre-qualification service available at no cost to applicant

*SBA loans from Highpoint Community Bank are in participation with the United States Small Business Administration. Loans are subject to approval in accordance with SBA and Bank eligibility and lending guidelines. Other lending programs are available.