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Small Business Administration (SBA) Loans

Rev up your business. City National Bank is here to help.

City National Bank (CNB) offers a wide array of SBA* products to suit your business' needs. Voted the "Best Business Bank" by the readers of the Daily Business Review, CNB's bankers can tailor a solution to help your business grow.

SBA 504 Term Loan

SBA 7(a)

SBAExpress

SBA Export Express

To learn more about our SBA products, call us at 305-577-7333 or 1-800-435-8839.

SBA loans are designed for use by for profit businesses.

SBA 504 Term Loan

SBA 504 loans offer long-term, fixed-rate financing to keep your growing business on the right track. The 504 term loan is generally funded from three sources: CNB, the SBA and borrower's equity.

  • Maximum loan amount up to $12.5 million
  • Up to 90% total project financing
  • Low down payments
  • Long fixed-rate repayment terms - up to 20 years on SBA portion of the loan
  • No balloon payment on SBA portion
  • Improves cash flow, preserves liquidity

Use proceeds to:

  • Buy real estate
  • Finance major renovations
  • Purchase machinery and other equipment
  • Construct a new building
  • Refinance qualifying debt
SBA 7(a) Loan

The SBA 7(a) is the most commonly used government-guaranteed SBA loan program.

  • Credit facilities up to $5 million
  • Low down payment
  • Long repayment terms and no balloon payment
  • Flexible terms for working capital, equipment and real estate

Designed for small businesses in:

  • Manufacturing
  • Wholesale
  • Retail
  • Services
  • Independent companies and franchises

Use proceeds to:

  • Obtain permanent working capital
  • Purchase a business
  • Purchase inventory
  • Refinance existing business debt
  • Purchase equipment or machinery
  • Purchase real estate
SBAExpress

Fast turnaround and streamlined processing gives you access to the funds your business needs quickly.

  • Term loan or line of credit up to $350,000
  • Minimal down payment requirements
  • Longer repayment terms
  • Business expansion

Use proceeds to:

  • Purchase machinery and other equipment
  • Purchase inventory
  • Leasehold improvements
  • Buy real estate
  • Obtain permanent working capital
  • Refinance existing debt
SBA Export Express

SBA Export Express financing features fast approval on loans or lines of credit up to $500,000.

  • Streamlined application process
  • Term loan or line of credit up to $500,000
  • Fast turnaround time
  • Longer repayment terms

Use proceeds to:

  • Fund participation in a foreign trade show
  • Finance standby Letters of Credit
  • Create marketing materials for foreign markets
  • Purchase equipment and inventory
  • Real estate acquisition
  • Finance foreign receivables
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