Contact your local Financial Center Leader.
SBA Loans
As a Small Business Administration (SBA) Preferred Lender, BB&T has lending programs that extend beyond the scope of standard financing by providing flexible terms to improve repayment ability and preserve working capital.
- Fast loan processing, competitive rates, and attentive customer service
- Up to 100% financing on merited transactions for business acquisitions or commercial real estate
- Extended term options for multiple business purposes
Programs
Flexible SBA financing options are available for small businesses with cash flow or collateral shortfalls.
| Program Name | Financing Need |
| 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 up to $5,000,000 |
| SBA 504 | Financing for large, long-term fixed assets |
Eligibility
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.
| Eligibility Loan Purposes | Maximum Loan Term |
| Purchase or renovate owner-occupied real estate or make leasehold improvements | 25 years |
| Equipment or inventory | 10 years |
| Business acquisition | 10 years |
| Working capital | 7 years |
Benefits
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.
Get Started
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
Open an Account
Visit a BB&T Financial Center
Get Assistance
By Phone
Small Business Lending
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Branch Banking and Trust Company and BB&T Financial, FSB, are subsidiaries of BB&T Corporation; Members FDIC.
Loans are subject to credit approval.