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 you 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 SBA Loans that include a variety of options to meet your specific requirements.

As a proud SBA-designated Preferred Lender, CTBC Bank expedites the process of getting you the funds you need as quickly as possible. We can offer longer loan amortizations, no balloon payments and loan amounts up to USD 5 Million through the SBA 7a and 504 programs. Through the Preferred Lender Program (PLP), CTBC Bank has been delegated with final credit decision-making authority.

SBA 7a Loan Program

  • Benefits for borrowers include:
    • Government guarantees or up to 75% of loan amount.
    • As a preferred lender, CTBC makes funding decisions fast and in accordance with the SBA guidelines
    • Longer loan amortizations and no balloon payments.
  • How can SBA 7a 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. For example:

    • Short-term working capital for seasonal financing, contract performance or export production
    • Long-term working capital for the payment of accounts payable, purchase of inventory
    • Land or building purchases
    • Purchase of equipment, machinery, furniture, fixtures and supplies
    • The refinance of existing business indebtedness or an existing business
  • Loan size
    • Maximum USD $5 Million
    • 75% of loan amount is government guaranteed
  • Interest rate
    • Rates vary case by case, depending on the size and maturity of the loan
  • Term
    • Working capital machinery and equipment is 5-10 years
    • Real estate is 25 years
  • Fee
    • Fees are charged on the guaranteed portion of the loan only
  • Who is eligible?
    • Your business must 1) be operating for profit and fall within the size standards set by the SBA ; and 2) Be engaged in, or propose to do business in, the United States Use and 3) have alternative financial resources, including personal assets. For more information, please see the SBA website at http://www.sba.gov/content/determining-size-standards

For more information on SBA 7a 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 SBA Express 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
    • Refinancing of debt in connection with business expansion through new or renovated facilities, or equipment
  • Loan size
    • Maximum USD $5 to $5.5 Million, depending on type of business
  • Interest rate
    • Fixed interest rate
  • Term
    • Loan maturities of 10 and 20 years are available
  • Collateral
    • Project assets being financed are used as collateral
  • Who is eligible?
    • Borrower’s business must be operated "for profit" and fall within the size standards set by the SBA (refer to http://www.sba.gov/content/determining-size-standards)
    • Tangible net worth of business must be less than $15 million, with an average net income of $5 million or less, after federal income taxes, for the preceding two years prior to application
    • Owner Occupied 51% for existing or 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:
    • Simple application process
    • Government guarantees of up to 75% of loan amount
    • As a designated SBA 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 replenishment
    • Business expansion
    • Business acquisition
    • Equipment purchases
  • Loan size
    • Maximum USD $350,000
    • 50% of loan amount is government guaranteed
  • Interest rate
    • Rates vary by case, 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
    • Fee charged on guaranteed portion of loan only
  • Who is eligible?

      Borrower’s business:

      1) Must be for profit and fall within the size standards set by the SBA (refer to http://www.sba.gov/content/determining-size-standards)

      2) Be engaged in, or propose to do business in, the United States or its possessions

      3) Have reasonable owner equity to invest

      4) Use alternative financial resources, including personal assets, before seeking financial assistance

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

 

* Subject to credit approval

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