SBA Lending Solutions

An SBA loan is a business loan that is partially guaranteed by the U.S. Small Business Administration (SBA). This government guarantee can help businesses gain access to financing for real estate purchases, expansion projects, equipment, working capital, and other business needs.

Meriwest offers SBA 504 Loans, SBA 7(a) Loans, and California State Guaranteed Loan programs. Each program is designed to help businesses access financing for growth, commercial real estate, business expansion, and other eligible business purposes.

SBA 504 loans are commonly used to purchase, construct, or refinance owner-occupied commercial real estate. They are often a good fit for businesses looking to acquire or expand office, industrial, manufacturing, or warehouse facilities.

SBA 7(a) loans may be used for a variety of business purposes, including expansion projects, working capital, equipment purchases, business acquisitions, and other qualified business expenses. Funds must be used for eligible business purposes.

Loan amounts vary by program and borrower qualifications. Meriwest currently offers SBA 504 loans starting at $500,000 and SBA 7(a) and California State Guaranteed loans starting at $250,000.

Businesses should contact a Meriwest Business Lending Specialist to discuss eligibility requirements and lending availability. Program requirements may vary depending on the financing solution being considered.

Yes. SBA financing can be used to purchase eligible owner-occupied commercial real estate. This can include office buildings, manufacturing facilities, industrial buildings, and other properties used primarily for business operations.

Owner-occupied commercial real estate generally means the business owns and actively operates from the property being financed. SBA 504 financing is designed for businesses that occupy and use the property for their own operations.

The right financing solution depends on your goals, financing needs, and eligibility. A Business Lending Specialist can review your situation and help determine whether an SBA 504, SBA 7(a), or California State Guaranteed Loan program is the best fit.

The first step is to speak with a Meriwest Business Lending Specialist. Our team can discuss your financing goals, review eligibility requirements, explain available options, and guide you through the application process.

SBA loans generally have qualification requirements related to business finances, credit history, repayment ability, and the intended use of funds. While the application process may require more documentation than some conventional financing options, the SBA guarantee can help businesses access financing that may not otherwise be available. A Meriwest Business Lending Specialist can help determine which program may be a good fit for your business.

Yes. Manufacturers commonly use SBA financing to support business growth, purchase owner-occupied facilities, invest in equipment, expand operations, or improve working capital. SBA lending solutions can help manufacturing businesses secure financing for projects that support long-term growth and operational efficiency.

Yes. Depending on the loan program and eligibility requirements, SBA financing may be used to purchase equipment that supports business operations. Equipment financing can help businesses invest in productivity, capacity expansion, and operational improvements while preserving working capital.

Yes. SBA loans are often used to support business expansion projects, including opening new locations, acquiring commercial real estate, purchasing equipment, increasing production capacity, and funding other growth initiatives. Eligible uses depend on the specific loan program and borrower qualifications.

Required documentation varies by borrower and loan program, but commonly includes business financial statements, tax returns, organizational documents, ownership information, and details about the financing request. A Meriwest Business Lending Specialist can provide a complete list of documentation based on your specific financing needs.

The timeline can vary based on the loan program, financing complexity, and how quickly required documentation is provided. Factors such as underwriting, property reviews, and SBA program requirements may affect processing times. A Business Lending Specialist can discuss the process and help guide you through each step.

Getting started is easy. Simply contact a Meriwest Business Lending Specialist to discuss your financing goals. Our team will review your needs, explain available SBA and state-guaranteed financing options, and help determine the best solution for your business.