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SBA Financing

Flanagan State Bank offers SBA loan programs to help small or growing businesses meet their goals, especially those that may not qualify for traditional lending. SBA loans are government-backed, but you’ll still receive personal service from us.

SBA 7(a) Loans

  • Ideal for startups or businesses needing financing through non-traditional means.
  • Terms: up to 10 years for working capital, 25 years for fixed assets.
  • Can be used for expansion, construction, purchasing land or equipment, leasehold improvements, and more.

SBA 504 Loans

  • Provides long-term, fixed-rate financing for major fixed assets and real estate.
  • Used for construction, renovations, land purchases, and equipment.
  • Not available for working capital, inventory, or debt refinancing.

Benefits

  • Special loan programs with competitive rates.
  • Local decision-making and streamlined application.
  • Personal service throughout the process.