SBA Loans

Small Business Administration Loans

Let us help grow your business

Ranked in the top 3 for SBA preferred lenders, we don't just process loans, we partner with you every step of the way.¹

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The Small Business Administration (SBA) offers government-backed loans that help business owners access affordable financing. Because a portion of each loan is guaranteed, SBA loans often require less equity and offer longer repayment terms than conventional loans. *All loans are subject to credit approval.

SBA 7(a) Loan

A flexible, all-purpose financing option for businesses looking to grow, expand, or refinance (also works well for start-ups).

Fixed or variable interest rates

No balloon payments

Lower down payment; up to 90% bank financing or higher

No prepayment penalties on loans under 15 years

SBA Express Loan

Fast access to working capital to support day-to-day operations and short-term needs.

Access lines of credit up to $500,000

Used for working capital

Flexible spending for operations

Streamlined approval process

SBA 504 Loan

Long-term, fixed-rate financing for real estate, major equipment, renovations, or refinancing.

Real estate and large equipment only

Long-term fixed interest rate

Low down payment (typically around 10%)

Structured for stable, predictable payments

Benefits of an SBA loan with Centier Bank

We know every business is different, with its own goals, challenges, and story. That's why our team takes the time to understand your business, guides you through your options, and helps you find the financing solution that supports you best.

SBA Preferred Lender status for faster approvals
Local decision-making with experienced SBA specialists
Flexible loan structures and competitive rates
Guidance through every step of the SBA process
A long-standing commitment to small businesses and communities we serve

First Name*

Last Name*

City*

State*

Email*

Phone*

Preferred Method of Contact

Company Name*

Years in Business*

Industry*

Loan Amount*

Is this a U.S. based small business?*

Tell us about your project

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Completing this form does not mean you have submitted an application for a loan. By clicking "Submit", you are authorizing Centier Bank to call you; leave you a voice message, whether prerecorded, artificial, or otherwise; or send you a text message, e-mail, mobile service commercial message, or any other electronic message for marketing purposes at the phone number or e-mail address provided on this form. Such contact may include use of an automatic telephone dialing system. Message and data rates may apply. You are not required to give your consent as a condition to receiving any banking products or services.

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Lisa Misch

Vice President, SBA Relationship Specialist

With over 30 years in banking, Lisa Misch brings experience and a genuine passion for helping small business owners succeed. She takes the time to understand your unique goals and guides you through SBA loan options to find the path that’s right for your business.

Centier Cents

Ideas and advice to help your business dream grow and succeed

Frequently Asked Questions

Eligibility requirements may vary, and we encourage applicants to speak with a banker for specific guidance.

Basic SBA eligibility requirements include:

Operate as a for-profit company in the United States
Owners must be a U.S. citizen or U.S. national
Have the required owner equity to invest
Meet the SBA definition of a small business

Depending on your business, financing needs, and SBA loan type, required documentation may differ. We encourage you to reach out to an SBA specialist to learn more.

Examples of documentation that may be requested include:

Three years of business and personal federal tax returns
Personal Financial Statement for anyone owning 20% or more of the business
Interim income statement and balance sheet
Two months of bank statements for your primary operating account

Disclosures

*All loans are subject to credit approval and program eligibility. Terms and conditions apply. Loan terms, rates, and availability may vary. All SBA programs and services are extended to the public on a nondiscriminatory basis.

The SBA’s participation in this publication is not an endorsement of the views, options, products or services of the contractor or any advertiser of other participant appearing herein.

¹Source: U.S. Small Business Administration (SBA) 7(a) and 504 Lender Report.