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FCB believes in local businesses, and so does the SBA. Thanks to their many loan programs, thousands of companies have received critical funding for a variety of needs. You can too. For everything from upgrading equipment, purchasing real estate, to working capital for everyday expenses, count on an SBA loan from FCB. Contact us to get the process started — we're here to guide you every step of the way.

  • Available for start-up businesses, as well as purchasing and refinancing existing businesses
  • Government-assisted help for businesses that might otherwise have difficulty getting approved
  • Special financing for qualifying businesses
  • A wide range of lending options available
  • Generally lower down payments and extended terms
  • Additional considerations taken when deciding maturity*
  • Local decision-making and processing
  • Personalized service that aligns our offerings with your needs

Understanding that business needs are unique, the Small Business Administration (SBA) loan programs are available so that you have access to a variety of loan options, competitive pricing, and often faster processing. These loans are government-guaranteed and help businesses start, expand and prosper. They are known for their flexibility in loan structure, variety of proceed uses and availability of funds.

The maximum loan amount is $5 million gross with up to 25 years maturity for real estate and 5-10 years for working capital, machinery and equipment loans.

  • Designed for the needs of small businesses* looking to:
    • Purchase an existing business
    • Acquire land or a building
    • Expand to another location
    • Buy equipment
  • Available in loan amounts up to $5 million
  • Backed by the U.S. Small Business Administration (SBA)
  • Loan terms from 7 to 25 years
  • Affordable payment plans
  • Easy to apply
  • Competitive rates
  • Flexible terms
  • Loans are fully amortized
  • No prepayment penalties on loans less than 15 years in length

The SBA 504 loan program is a long-term, fixed rate, government backed guaranteed loan that meets the needs of business borrowers like you who want to expand, modernize, or construct. These loans require you to have as little as 10 percent down and we offer a maximum loan amount of $5,000,000.

  • Designed for the needs of small businesses** looking to:
    • Expand through land or building acquisition
    • Undergo construction
    • Acquire major equipment/machinery
  • Available in loan amounts up to $12.5 million
  • Backed by the U.S. Small Business Administration (SBA)
  • Loan terms up to 30 years
  • Affordable payment plans
  • Easy to apply
  • Competitive rates
  • Flexible terms
  • Loans are fully amortized

*Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.

**As defined by the SBA.