Business
SBA Loans

SBA Loans

Long-term funding built to support big goals.

When you’re ready to grow in a bigger way, SBA loans can help you get there.

SBA loans combine the support of First U.S. with government-backed terms, giving you access to lower rates and longer terms so you can plan ahead with confidence.

Lower rates, longer terms

Some of the most affordable financing options available for businesses ready to grow.

Funding for major milestones

Use SBA loans for expansion, real estate, refinancing, or long-term investments.

Structured for stability

Repayment terms that give you time to build, not rush.

SBA loan types

Loans to

Loans to
Best for

Best for
Details

Details

SBA 7(a) Loan

Loans to

$2 million
Best for
- Business acquisition
- Expansion
- Equipment
- Working capital
Details

No prepayment penalty

SBA 7(a) Express

Loans to

$350,000
Best for

Line of credit only
Details
- Quick turnaround time for SBA review
- Interest only

SBA 504 Loan

Loans to

$4 million
Best for
- Commercial property
- Long-lived equipment
- No working capital
Details
- Occupancy requirements
- Prepayment penalties first five years

Let’s talk about your next move.

Bob Miller
Vice President, Business Services

Bob Miller specializes in small business and commercial lending. He has been with First US since 2012 and has over 30 years of banking experience. Bob takes a hands‑on approach, working closely with borrowers to ensure a smooth lending process and open communication. He is also active in the community as a Rotarian and serves on multiple boards.

Email: bmiller@firstus.org

Call: (916) 576-5679

Business SBA

An SBA loan is partially guaranteed by the U.S. Small Business Administration, which may make it easier for some businesses to qualify. SBA loans often offer longer repayment terms, lower down payment requirements, and competitive interest rates compared to traditional business loans. Traditional business loans may provide faster funding and a simpler application process, depending on your needs. We can help determine which option is the best fit for your business.

See All SBA FAQs

Let’s keep going.

Business Checking

Your business runs on daily decisions. Our business checking accounts can help you manage the flow clearly, simply, and without unnecessary costs.

Learn more

Business Lines of Credit

We know business doesn’t move in a straight line. A line of credit gives you ongoing access to funds, so you can handle what comes up, when it comes up, without slowing down.