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Small Business Lending

Square 1 Specialty Lending

Traditional lending doesn’t suit all businesses. For alternative financing, the Square 1 Bank Specialty Lending team serves as a direct lender offering innovative ways to secure credit with a fast closing.

Square 1 Bank offers a variety of government-sponsored loan solutions to best fit our customers’ needs. As a direct lender experienced in Small Business Administration (SBA) and USDA lending, we understand the complexities that face small and mid-sized businesses. We are committed to the financing they need to achieve their goals.

To make this happen as fast as possible, we offer flexible terms and a simple loan process.

Square 1 Bank offers SBA and USDA loans to companies in a wide variety of industries. Key benefits include high leverage with minimal cash investment, long terms to minimize debt service, flexible underwriting requirements, competitive rates and fast turnaround time.

You can rely on Square 1 Bank and our extensive, professional experience to reach your ultimate goal: SUCCESS.

Talk to us   Brad Turner SVP, Specialty Lending

SBA + USDA Loan Programs

Real Estate Loans: up to $15 million – to purchase, refinance, construct or renovate owner-user commercial real estate.

  • Up to 90% financing
  • Up to 25 years fully amortize
  • Owner-user to occupy at least 51% of existing building and 67% of new construction
  • First and second mortgages are assumable to qualified borrowers

Business Loans: up to $5 million – to acquire a business or equipment, refinance debt, obtain inventory and working capital, and start or acquire a franchise business.  Includes:

  • Business acquisition
  • Equipment acquisition
  • Debt refinance
  • Inventory and working capital

USDA B&I Loans: up to $25 million* – for real estate acquisition or expansion; purchase of a business, machinery, equipment, furniture or fixtures; and working capital.

  • Up to 90% financing
  • Up to 30 years fully amortized for real estate
  • Up to 15 years fully amortized for equipment
  • Owner-user occupied and some investment real estate
  • For most cities with populations under 50,000

*In some cases, up to $50 million.