SBA 7(a) Real Estate	SBA 7(a) Business Loans	SBA 7(a) Combination	SBA 504 Loan Program	USDA
Use of Funds:	Owner-user commercial real estate purchase, refinance or construction	Business acquisition, startup, debt refinance, working capital, inventory, equipment, tenant improvement, partner buyout	Owner-user commercial real estate purchase, refinance or construction	To purchase or construct owner-user commercial real estate	Business acquisition, startup, debt refinance, purchase buildings, inventory, equipment.
Loan Amount:	Up to $5 million	Up to $5 million	Up to $7 million combined	Up to $11.25 million for most industries, higher for qualified manufacturing firms	Up to $10 million
Interest Rate:	ARM-Based on Prime	ARM-Based on Prime	ARM-Based on Prime	ARM-Based on Prime	Contact Us
Term:	Up to 25 years	Up to 10 years	Up to 25 years	Real Estate: Up to 25 years Equipment:10 years	7 to 30 years
Amortization:	Full amortization	Full amortization	Full amortization	Full amortization	Full amortization
Prepayment Penalty:	Possible	Possible	Possible	PPP applies	None
Collateral:	Subject property. Additional collateral may be required.	Available collateral	Subject property. Additional collateral may be required.	Subject property	Subject property. Additional collateral may be required.
LTV Advance Rate:	LTV up to 90%	Advance Rate: 75% – Startup 85% – Business acquisition 90% – Equipment 100% – Debt refinance, inventory, working capital, partner buyout	LTV up to 90%	LTV up to 90%	LTV up to 90%