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At Cogent Bank, we offer Small Business Administration (SBA) loans with competitive terms and government-backed guarantees to help small businesses grow and succeed.
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.
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.
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.
To qualify, businesses must:
Ready to grow your business? Contact Cogent Bank’s SBA Lending Team to start your application today.
An SBA loan is a small business financing solution partially guaranteed by the U.S. Small Business Administration (SBA). The SBA guarantee helps reduce lender risk, making it easier for eligible businesses to obtain financing with competitive terms.
SBA loans can be used for a variety of business purposes, including purchasing commercial real estate, acquiring a business, refinancing debt, funding working capital, purchasing equipment, and supporting business expansion initiatives.
Cogent Bank offers SBA 7(a) and SBA 504 loan programs designed to help businesses finance growth, real estate purchases, equipment acquisitions, and other long-term business needs.
SBA 7(a) loans offer flexible financing for a broad range of business needs, while SBA 504 loans are generally used for major fixed assets such as owner-occupied commercial real estate and large equipment purchases.
Yes. SBA financing can be used to purchase, refinance, renovate, or construct owner-occupied commercial real estate, helping businesses establish or expand their physical footprint.
Yes. SBA loans are commonly used to finance business acquisitions, allowing entrepreneurs and business owners to purchase an existing company while preserving working capital.
In some cases, yes. Startups and newer businesses may qualify for SBA financing if they meet program requirements and demonstrate a viable business plan, management experience, and the ability to repay the loan.
SBA loans often offer lower down payment requirements, longer repayment terms, and flexible use of funds, making them an attractive financing option for many small businesses.
Loan amounts vary based on the SBA program, business qualifications, and financing needs. A Cogent Bank SBA specialist can help determine the best loan structure and available financing options for your business.
Applicants are typically asked to provide business financial statements, tax returns, ownership information, details about the intended use of funds, and other supporting documentation required during underwriting.
Yes. SBA financing can be used to purchase equipment, machinery, and other business assets that support operational growth and long-term business success.
Yes. In addition to SBA lending, Cogent Bank offers commercial real estate loans, business term loans, business lines of credit, and USDA lending solutions to meet a variety of business financing needs.
The timeline can vary depending on the complexity of the transaction, the loan program selected, and the completeness of the application package. Cogent Bank’s experienced SBA lending team works closely with borrowers throughout the process.
Cogent Bank combines personalized relationship banking with experienced SBA lending specialists who understand the unique financing needs of small businesses. The bank offers tailored guidance and financing solutions designed to help businesses start, grow, acquire, or expand.
