Small Business Financing

Commercial Loans

Business Loans - Our lending solutions for small and medium sized businesses include :

  • Lines of Credit - The revolving line of credit is a perfect solution to help you avoid paying interest on unused funds while meeting your short-term financing needs.
  • Term Loans - The term loan covers your long-term financing needs, with flexible terms and competitive interest rates.

Commercial Real Estate (CRE) - Our CRE program can help finance the purchase of a new facility or refinance existing commercial real estate properties, including offices, condominiums, apartment and mixed use properties.

Small Business Administration (SBA) Loans

CTBC Bank offers a variety of SBA Loans to meet your specific requirements.

As a proud SBA-designated Preferred Lender, CTBC Bank expedites the process of getting the funds you need as quickly as possible. We can offer longer loan amortizations, no balloon payments and loan amounts up to $5.5 million USD through the SBA 7(a) and 504 programs. Through the Preferred Lender Program (PLP), CTBC Bank has credit decision-making authority making financing fast and easy.

SBA 7(a) Loan Program

  • Benefits for borrowers include:
    • Government guarantees or up to 75% of loan amount.
    • As a preferred lender, CTBC can make funding decisions quickly.
    • Longer loan amortizations and no balloon payments.
  • How can SBA 7(a) funds be used?

    Loan proceeds may be used to establish a new business or assist in the acquisition, operation, or expansion of an existing business. Example include:

    • Short-term working capital for seasonal financing, contract performance or export production
    • Long-term working capital for accounts payable or inventory purchase.
    • Land or building purchases.
    • Purchase of equipment, machinery, furniture, fixtures and supplies.
    • Refinance of existing business debt or an existing business.
  • Loan size
    • Maximum $5 Million USD.
    • Up to 85% of loan amount is government guaranteed.
  • Interest rate
    • Rates vary depending on the size and maturity of the loan.
  • Term
    • Up to 7 years for working capital.
    • Up to 10 years for machinery and equipment.
    • Up to 25 years for real estate.
  • Fee
    • Fees are only charged on the guaranteed portion of the loan.
  • Who is eligible?
    • Your business must:
      1) Be operating business organized for profit;
      2) Be located in the United States and engaged in, or proposed to do business in the United States; and
      3) Be small(as defined by SBA)

For more information on SBA 7(a) Loan programs, please visit http://www.sba.gov/loanprograms

SBA 504 Loan Program

  • Benefits for borrowers may include:
    • Up to 90% financing.
    • Longer loan amortizations, fixed interest rates, and/or no balloon payments.
    • Savings that can improve cash flow for small businesses.
  • Loan structuring
    • 50% financing 1st lien from CTBC Bank.
    • 40% financing 2nd lien from SBA.
    • 10% down payment from borrower.
  • How can 504 Loan funds be used?

    The use of proceeds from 504 loans must be used for fixed assets including:

    • Purchase of existing buildings
    • Purchase of land and land improvements
    • Construction of new facilities or modernizing and renovating of existing facilities
    • Purchase of machinery
  • Loan size
    • Up to $5 to $5.5 million USD depending on the type of business.
  • Interest rate
    • CTBC Bank loan: fixed and variable interest rate options.
    • SBA loan: fixed interest rate
  • Term
    • Loan maturities of 10 and 20 years are available
  • Who is eligible?
    • Borrower’s business must be operate for profit and fall within the size standards set by the SBA
    • Tangible net worth of business must be less than $15 million, with an average net income of $5 million or less over the past two years.
    • Real estate financed must by 51% owner occupied for existing and 60% for new construction.

For more information on SBA 504 Loan programs, please visit: http://www.sba.gov/loanprograms

SBA Express Loan Program

  • Benefits for borrowers may include:
    • A simple application process.
    • Government guarantees of up to 50% of loan amount.
    • As a preferred lender, CTBC can make funding decisions quickly.
    • Affordable monthly payments.
  • How can SBA Express Loan funds be used?

    SBA Express Loan may be used for:

    • Working capital.
    • Managing your business.
    • Inventory.
    • Business expansion.
    • Business acquisition.
    • Equipment purchases.
  • Loan size
    • Up to $350,000 USD.
    • 50% of loan amount is government guaranteed.
  • Interest rate
    • Rates vary depending on the size and maturity of the loan.
  • Term
    • May be used for revolving lines of credit (up to a 7 year maturity) or for a term loan.
  • Fee
    • Fees are only charged on the guaranteed portion of the loan.
  • Who is eligible?

      Your business must:

      1) Be operating business organized for profit;
      2) Be located in the United States and engaged in, or proposed to do business in the United States;
      3) Be small(as defined by SBA); and
      4) Not be delinquent on any existing debt obligations to the U.S. government.

For more information on SBA Express Loan programs, please visit http://www.sba.gov/content/express-pilot-programs

To apply SBA Loans, please contact the following:

Southern California - 1-844-763-7622 - SBA.SoCA@ctbcbankusa.com

Northern California - 1-844-763-6622 - SBA.NoCA@ctbcbankusa.com

New York/New Jersey- 1-844-763-7622 - SBA.NYNJ@ctbcbankusa.com

 

* All loans subject to SBA guidelines and CTBC Bank credit approval.

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