SBA Lending - Cogent Bank

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Business Banking      Lending      SBA Lending

SBA Lending

At Cogent Bank we can help you grow your business with financing solutions for most any
business purpose.

SBA: 504 and 7A

Cogent Bank specializes in providing long-term financing to small businesses through the SBA (U.S. Small Business Administration) loan guarantee program.  We have an experienced team of commercial loan specialists who understand the needs of today’s small businesses and stand at the ready to make navigating the loan process easy. 

Difference between SBA and Conventional Loans:

  • Lower down payment
  • Longer amortization/lower monthly payments
  • No balloon payments
  • Use of Funds:
    • Real estate purchase as low at 10% down
    • Construction, refinance, or improvements
    • Majority of space (more than 51%) must be owner-occupied
    • Business acquisition
    • Equipment acquisition
    • Permanent working capital
    • Expansion financing or debt consolidation

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