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Small business administration (SBA) loan Program

SBA loans are small business loans that are partially guaranteed by the SBA which assist lenders to make loans they might not otherwise be able to make.

Whether you're embarking on a new business venture, investing in large purchases like commercial real estate or equipment, or undertaking construction or renovations, Climate First Bank is here to support you with the financing your business needs to thrive.
SBA 7(a) Loans
SBA’s premier lending program helps small businesses preserve capital, reduce monthly payments, and acquire long term financing. The program offers:
  • Loan terms up to 25 years to reduce monthly payments.
  • As little as 10% equity required to help preserve capital needed for growth.
  • Can be used for:
    • Flexible use of proceeds, including:
    • Real estate purchases.
    • Improvements such as leasehold improvements, retrofits for HVAC, window/lighting upgrades, solar installation, or electric vehicle charging stations.
    • Business acquisition, key employee or partner buyouts.
    • Working capital or debt refinance.
SBA 504 Loans
The SBA 504 loan program provides long term, fixed rate financing for major fixed assets that promote business growth and job creation. The program offers:
  • Loan terms up to 25 years with no balloon.
  • Offers down payments as low as 10%.
  • Structures loans with Certified Development Companies.
  • Has long term, fixed rate financing.
  • Can be used for:
    • Buying a building.
    • Financing ground up construction.
    • Building improvements.
    • Purchase of heavy machinery or equipment.
    • Refinance or consolidate existing debt.
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We're SBA Preferred Lenders

As SBA Preferred Lenders, our products offer you the financing you need to reach your business goals faster!

Quick Approvals

Our experienced team offer in-house underwriting and rapid credit decisions, giving you time to focus on your business.

Local Policies

Our SBA Lenders specialize in SBA 7(a)and 504 loans, we offer competitive rates and low down payments.

Flexible Solutions

Our SBA Lenders are industry experts, committed to finding the best solutions to meet your business needs.
Contact Us

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As the nation’s first climate-focused bank, Climate First Bank is a full-service community bank offering both personal and commercial banking services. We are proud to serve our communities as we work together to promote sustainability and reverse the climate crisis.
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