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.

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

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.