Not enrolled?
Not enrolled?
Business Banking

Small Business Administration (SBA) Loans

Let NCB help you access the capital you need to grow and expand your small business.

SBA loans are long-term business loans partially backed by the U.S. Small Business Administration. These loans offer businesses the opportunity to take advantage of favorable terms so you can make your next move with confidence.  

We currently provide two types of loans guaranteed by the SBA:

SBA 7(a) Loans

Loans for business acquisitions and expansions, leasehold improvements and buildouts, equipment, furniture, and working capital.


  • Helps new and existing businesses that may not qualify under conventional bank terms. 
  • Longer repayment terms and lower monthly payments, which improves cash flow.
  • No balloon payments to worry about so a business-owner can focus on their business.

Best for: 

  • For-profit businesses 
  • Acquisition of businesses, including franchises and medical practices
  • Business expansion  
  • Purchase of inventory, furniture, equipment, fixtures, and leasehold improvements
  • Working capital 
  • Refinance business debt, under certain circumstances
  • Purchase or renovate owner-occupied real estate.

SBA 504 Loans

Long-term financing for major fixed assets such as commercial real estate property and large machinery and equipment that support business operations.  Up to 90% financing available through a combination of bank loan and SBA 504 loan.


  • Low down payment of typically 10% allows a business to conserve working capital. 
  • Up to 25-year fully amortizing term with competitive fixed rate on the SBA 504 loan allows a business to stabilize occupancy costs and focus on growth.
  • Loans can be used for purchase, construction, and renovation.

Best for:

  • Purchase of real estate properties such as office buildings, retail buildings, office condominiums, and warehouse facilities by business owners
  • Construction of commercial real estate property for use by businesses. 
  • Expansion or renovation of existing business-owned real estate property.
  • Machinery and equipment purchases.

Meet Our SBA Loan Officer to learn more about financing options for your small business.

No items found.