SBA 7(a) Loan Program
Loan Sizes: $250,000-$5,000,000 Quarterly Variable (Prime +2.75%)
Note: Loan scenarios are examined on a case by case basis. Exceptions may apply.
| FICO |
Max. LTV |
Rate |
Terms |
PPP |
Min. DSCR |
| 660 + |
80% |
Quarterly Variable |
15/20/25 Yrs. |
3 yr. declining (5, 3, 1) |
1.25:1 |
USDA Loan Program
Loan Sizes: $500,000-$5,000,000 Quarterly Variable (Prime +2.75%*)
*Varies by state
| FICO |
Max. LTV |
Rate |
Terms |
PPP |
Min. DSCR |
| 660 + |
80% |
Quarterly Variable |
15/20/25/30 yrs. |
5 yr. (5, 5, 5, 5, 5) |
1.25:1 |
Niche Industries
- Medical Buildings /
- Independent Food Markets /
- Delis / Convenience Stores /
- Bakeries /
- Auto Repair & Sales /
- Personal Office Space /
- Funeral Homes /
- Veterinary Offices /
- Retail /
- Light Industrial /
- Manufacturing /
- Mixed-Use /
- Franchise & Non-Franchise /
- Dentists /
- Chiropractors /
- Attorneys /
- Accountants /
- Assisted Living Facilities
Note: This matrix is for general reference only. All loans are approved on an individual case by case basis.
All loans must be owner-occupied & operated. All loan submissions are subject to pre-approval by loan committee.
