The Small Business Loan

빠른 승인과 최적의 조건으로 더욱 편리한 SBA 대출을 경험하세요.

고객님의 성공적인 비즈니스를 위한 SBA융자

SBA 융자는 연방정부가 보증하는 중소기업 육성 융자 프로그램입니다. 연방 중소기업청이 중소기업에 대해 지급보증(Loan Guarantee)을 해주는 것입니다.
처음에는 소수계 중소기업을 육성하기 위한 정책의 일환으로 실시됐으나 최근에는 전체 중소기업으로 확대 적용되고 있습니다.

SBA 융자는 스몰 비지니스의 금융 수요와 특별한 필요에 맞도록 특별히 고안된 것입니다. SBA 융자는 일반적인 융자에 비해 보다 자유로운 상환 조건과 담보 요건으로
스몰비지니스 고객께서 필요로 하는 금융 수요와 유연성을 아울러 제공합니다.

SBA Loans are bank and commercial loans provided to new and existing small businesses that are backed by the United States Small Business Administration. The purpose of SBA lending is to provide financing for small companies that haven’t been able to secure traditional bank financing. The bank or SBA lender provides enhanced financing to the small business, while the government agrees to shoulder the great majority of the lenders’ losses should the small business default on the loan. In theory, by reducing risk to the lending institutions with the SBA guarantee, the banks and lending institutions are more inclined to approve loans they would not normally fund. Since the government is taking the majority of risk with this type of financing, the SBA requires the small business and the commercial lender to meet certain guidelines before they will get an SBA guarantee before funding.

SBA 융자 상품

  • Loan Amounts: Up to $5,000,000
  • Rates: 5-8%
  • Terms: 3-25 years
  • Funding time: 30-60 days


The SBA 7(a) is the Small Business Administration’s largest lending program which is an umbrella for a number of other SBA financing options. SBA 7(a) loans can be as much as $5 million, but the government will only guarantee up to $3.75 million for any one small business. Other debt finance programs under the 7(a) program include: SBA Express Lender Structured Loans, Export Express lender structured loans and lines of credit, International Trade Loan, Export Working Capital Loan, CAPLines (Seasonal, Contract, Builders, Working Capital). Use of SBA 7(a) loan proceeds include starting a business, purchasing an existing business, purchase a building, construct new buildings, working capital, purchasing of inventory, fixed assets and raw materials, leasehold improvements and, in some qualifying situations, refinancing and consolidation of business debt. SBA 7(a) financing is offered as both a term loan facility and also as a line of credit.

  • Loan Amounts: Up to $10,000,000
  • Rates: 5-7%
  • Terms: 10-20 years
  • Funding time: 30-60 days


The SBA 504 program was created to help small business owners finance long term fixed assets (such at commercial buildings and business equipment) and in some cases refinance long-term equipment loan terms at market or below market prices. While there isn’t a limit on the SBA 504 commercial loan size, the SBA will only guarantee $5 million of the facility. The SBA 504 loan is administered through three parties: the small business owner, a conventional bank lender and a non-profit Community Development Corporation lender. Under this program the borrower would agree to put up 10% of the loan facility, the bank would agree to put up 50% and the CDC would agree to put up the remaining 40% of the loan.

  • Loan Amounts: Up to $100,000
  • Rates: 6-13%
  • Terms: Up to 6 years


The SBA Microloan program provides loans up to $50,000 to small business owners and non-profit childcare centers. Qualification and use-of-funds for the SBA microloan program are similar to the 7(a) program in that there are a wide uses allowed. The major difference in the microloan program as opposed to the 7(a) program is how its administered: the SBA provides funding to non-profit micro-lenders who then disperse the funds to qualified companies.