SBA Lending

SBA Lending: Helping Small Businesses Succeed

At Cogent Bank, we offer Small Business Administration (SBA) loans with competitive terms and government-backed guarantees to help small businesses grow and succeed.

What is SBA Lending?

SBA loans provide affordable financing for small businesses that may not qualify for conventional loans. They feature low down payments, longer terms, and competitive interest rates, making them ideal for expansion, equipment purchases, or working capital.

Benefits of SBA Loans

• Lower down payments – Preserve cash flow.
• Longer repayment terms – Reduce monthly payments.
• Competitive interest rates – Cost-effective financing.
• Flexible use of funds – Cover real estate, equipment, inventory, or debt refinancing.
• Government-backed security – Easier qualification process.

Types of SBA Loans We Offer

SBA 7(a) Loan Program

This versatile loan program provides funding for business acquisition, expansion, real estate, and equipment purchases. It can also be used for debt refinancing to improve cash flow and manage financial obligations effectively.

SBA 504 Loan Program

Designed for businesses seeking long-term, fixed-rate financing, the SBA 504 loan supports commercial real estate purchases, equipment acquisitions, and facility improvements to help businesses grow while preserving working capital.

Approved Uses for SBA Loans

• Business expansion & modernization – Fund growth and operations.
• Real estate purchases & improvements – Buy, renovate, or expand.
• Equipment & inventory purchases – Secure essential business assets.
• Working capital – Maintain cash flow and cover expenses.
• Debt refinancing – Lower payments and improve financial flexibility.
• Business acquisitions – Purchase an existing business and create jobs.

SBA Loan Eligibility Requirements

To qualify, businesses must:

• Meet SBA size standards
• Be a for-profit U.S. business
• Demonstrate repayment ability
• Have reasonable owner equity invested
• Use loan funds for eligible purposes

Why Choose Cogent Bank for SBA Lending?

• Experienced SBA lenders – Our team has deep expertise in small business financing and SBA loan programs.
• Tailored loan solutions – We customize financing options to fit your business’s unique needs and goals.
• Competitive rates & flexible terms – We offer favorable rates and repayment terms to help you manage your finances effectively.
• Proven track record – Cogent Bank has helped numerous small businesses secure SBA loans to grow and thrive.
• Dedicated customer support – We are committed to providing personalized service and guiding you through the lending process every step of the way.

Contact Us Today

Ready to grow your business? Contact Cogent Bank’s SBA Lending Team to start your application today.