Government-Backed Funds for Your Business

SBA Loans

As an SBA Preferred Lender, Royal Business Bank offers flexible loans for everyday operation, new equipment, and real estate purchases.

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Select the SBA Loan for Your Needs

SBA loan options
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SBA 7(a) Loan Program

 

Use of Funds

  • Owner-user commercial real estate purchase
  • Business acquisition (asset purchase or stock purchase)
  • Business debt refinance
  • Partner buy-out
  • Working capital
  • Machinery & equipment purchase
  • Construction & leasehold improvements

Down Payment

  • Minimum 10% for commercial real estate purchase
  • Minimum 10% for business acquisition or start-up business (Less than 2 years of operations)

Terms

  • The maximum loan maturities vary depending on the use of proceeds:
    • Commercial real estate purchase/refinance: up to 25 years
    • Business acquisition: up to 10 years
    • Machinery & equipment purchase: up to 10 years
    • Working capital: up to 10 years
    • Leasehold improvements: up to 10 years

Interest Rate

  • Variable rate = Wall Street Journal prime rate + a margin

Eligibility Requirements

  • Must be a for-profit business located in the United States
  • Must meet SBA size standards as to annual gross revenues or number of employees
  • Cannot be a business engaging in illegal activity under federal, state, or local laws (eg. Cannabis related business)
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SBA 504 Loan Program

 

Use of Funds

  • Commercial real estate purchase
  • New facilities construction
  • Commercial mortgage refinance
  • Heavy machinery and equipment purchase

Standard Loan Structure

  • 50% financing from Royal Business Bank
  • 40% financing from SBA 504 Loan
  • 10% down payment from borrower

Terms

  • Bank portion can be amortized up to 25 years with a 10-year maturity
  • SBA 504 portion can be amortized up to 25 years with a 25-year maturity

Interest Rate

  • Bank portion can be either a fixed or variable rate
  • SBA 504 portion is a fixed rate

Eligibility Requirements

  • Must be a for-profit business located in the United States
  • Must meet SBA size standards as to annual gross revenues or number of employees
  • Cannot be a business engaging in illegal activity under federal, state, or local laws (eg. Cannabis related business)
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Terms and Conditions apply.

Subject to credit approval.

Royal Business Bank Benefits

Why Choose an SBA Loan From Royal Business Bank

Unlock the capital you need backed by a bank that simplifies the process and supports you every step of the way.

  • Move Forward Paying Less Upfront
    With an SBA loan, you can keep more working capital on hand for day-to-day expenses while funding big decisions.
  • Get Payment Terms That Match Your Pace
    Repay over 10 to 25 years, with fixed-rate options that support your long-term plans.
  • Work With Lenders Who Understand Your Goals
    Our team fast-tracks funding so you can act when opportunity knocks without being stuck in paperwork and long approvals.
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Is an SBA Loan Right for You?

SBA loans for real estate investors
01

Real Estate Investors & Operators

Secure long-term, fixed-rate financing to purchase or build commercial property.

SBA loans for entrepreneurs
02

Entrepreneurs & Business Buyers

Buy an existing business or expand operations with flexible terms that free up your cash flow.

SBA loans for new U.S. business owners
03

New U.S. Business Owners

Start strong with funding built for new owners and a bank that backs your vision with tailored solutions.

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Frequent Asked Questions

Need a Quick Answer?

Browse our most common questions before reaching out

SBA loans are backed by the U.S. Small Business Administration and help businesses that may not qualify through conventional channels. They typically come with longer terms and lower down payments.

An SBA 7(a) loan offers more flexible terms and can be used for working capital, business acquisitions, equipment, or real estate. An SBA 504 loan is designed specifically for purchasing or improving fixed assets like buildings, land, or large equipment.

Most SBA loans require at least 10% down. In some cases, it can be higher depending on collateral and risk.

Terms depend on how you use the funds. For example, real estate loans can go up to 25 years, while working capital or equipment loans typically have 10-year terms. Interest rates are usually variable for 7(a) loans and fixed for the SBA 504 portion.

To qualify, your business must be for-profit, based in the U.S., and meet SBA size standards based on revenue or number of employees. Certain industries, like cannabis-related ones, are not eligible to apply for SBA loans.