Learn more about SBA Loan Programs
Synovus is proud to partner with the U.S. Small Business Administration to connect you with the financing you need.
Loan amounts:
Up to $5 million
(or more when you pair with a conventional loan from Synovus)
Repayment terms:
10 to 25 years1
Our knowledgeable bankers can help you choose the right SBA loan2 for your small business (including startups).
SBA Loan Programs
SBA 7(a) Loan
- Helps small business owners:
- Finance the purchase of property, equipment, or inventory
- Buy, construct, renovate, or refinance occupied commercial real estate
- Refinance debt
- Loan amounts up to $5 million (or more when paired with a conventional loan from Synovus)
- Terms of typically 10–25 years
SBA Express Line of Credit
- SBA Express offers support for business operations with loan amounts up to $500,000
- SBA Export Express offers support for businesses who export to help them grow and compete in international markets with loan amounts up to $500,000
SBA CAPLine Program Loans
- Contract CAPLine Line of Credit
- Provides access to funds for contracts, sub-contracts, and purchase orders
- Overhead and general maintenance expenses are eligible
- One or more contracts can be funded from a single loan
- Working Capital Line of Credit
- Provides access to revolving financing for short-term operating needs
- Funds may not be used to pay certain taxes or for inventory financing (e.g., floor planning)
SBA Export Working Capital Program
- Provides advances up to $5 million to fund export orders, export receivables, or letters of credit2
- Allows you to apply for a loan before you’ve finalized a contract, helping you meet demand
SBA International Trade Loan
- Helps new and existing business operations enter and expand into international markets
- Provides loan amounts up to $5 million
- Terms are typically 10–25 years, depending on how funds are used
Eligibility requirements
To be eligible for SBA financing, a business must meet the requirements of a small business as defined by the SBA (have a tangible net worth under $15 million and an average net income under $5 million after taxes for the preceding two years). The business also must be:
- Organized for profit
- Either in business or propose to do business in the United States, its territories, or its possessions
- Able to demonstrate a need for the loan or line of credit
Additional eligibility requirements may apply. Please contact us at 1-888-SYNOVUS (796-6887) or visit a local branch near you to find out more.
If you are interested in applying for an SBA 504 loan, contact your relationship manager.