Flexible SBA financing options are available for small businesses with cash flow or collateral shortfalls.
| SBA Express |
Loans up to $350,000 |
| SBA Patriot Express |
Loans up to $500,000 (for U.S. Veterans, including their current or surviving spouses) |
| SBA 7a |
Loans or lines of credit up to $2,000,000 |
| SBA Export Working Capital |
International needs |
| SBA 504 |
Financing for large, long-term fixed assets |
To qualify, your business must be a for-profit, owner-operated company. Your BB&T relationship manager will help determine if you qualify and advise what loan to request.
| Purchase or renovate commercial real estate or make leasehold improvements |
25 Years |
| Machinery, equipment, or inventory |
15 years |
| Business acquisition |
10 years |
| Working capital |
7 years |
BB&T has been designated as an SBA Preferred Lender because of our proven SBA underwriting and processing efficiency. This means:
- Faster loan processing for you and your business
- Competitive rates
- An array of products designed for the needs of small businesses
BB&T is continually ranked as one of the top small-business-friendly banks in the U.S. by the SBA. At BB&T, you can be assured of excellent service and the personal attention you deserve.
To get started, you will need to meet with your BB&T Business Banker to discuss the following information:
- A completed SBA application package (available from your BB&T Business Banker)
- Three years of business and personal tax returns
- A current financial statement
- A breakdown of project costs detailing how loan proceeds will be utilized
- For commercial real estate transactions: a copy of sales, land, and construction contracts
- For business startups: a business plan (including proforma financial information) and a market feasibility study
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