Compare SBA Loans

Which SBA loan is right for your business?

Man in warehouse. Sandy Spring Bank SBA Loans

Affordable, flexible solution for small- and medium-sized businesses, Small Business Administration (SBA) loans may be used for a variety of purposes, such as working capital, equipment and inventory or construction, and feature lower down payments with longer repayment terms. As an SBA Preferred Lending Provider, we are in the top tier of approved lenders by the SBA, which means we can approve applications so you can get the funds you need faster.

MEET YOUR TEAM Schedule an appointment  

Advantages of SBA Loans1

SBA loans feature many terms that businesses find attractive, including:

  • Low down payments
  • Fully-amortizing, no balloon payments
  • Simplified application process
  • Longer repayment terms
  • Very competitive rates

SBA Loan Program

To Use For

Loan Size

SBA 7(a)
  • Expansion or new construction2
  • Acquisition of a business or partner buyout
  • Working capital
  • Equipment and inventory
  • Purchase or refinance of owner-occupied real estate3
Up to $5 million
SBA 504
  • Purchase or refinance of owner-occupied real estate, including construction3
  • Purchase or refinance of heavy equipment.
Up to $5.5 million


An SBA loan may be the financial solution you’ve been looking for. To learn more and get started set up an appointment today!

MEET YOUR TEAM Schedule an appointment  

  • Disclosure

    1Small Business Administration financing is subject to approval through the SBA 504 and SBA 7(a) programs. Loan terms, collateral and documentation requirements apply and are subject to SBA guidelines. Actual amortization, rate, loan amounts and extension of credit are subject to necessary credit approval. Sandy Spring Bank's credit standards and documentation requirements apply. SBA 504, SBA 7(a) or SBA Express financing up to 90% of purchase price. Some restrictions may apply.

    2SBA 7(a) loans are made for a minimum of $200,000 or $500,000 for ground-up construction.

    3Owner-occupied commercial real estate status will be determined in underwriting and requires occupancy by the borrower/guarantor. Please note SBA guidelines require at least 51% occupancy to be considered owner-occupied. Real estate financing options are subject to approval and product availability is subject to change. For SBA loans, SBA eligibility and restrictions apply.