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.