Small Business Loans

Small businesses support the communities we love to serve. Small Business Administration (SBA) loans administered by United Community Bank provide the financing your business needs to grow stronger and more profitable for future success. Choose from our SBA loans and specialty financing options. 

Contact an SBA Lender

SBA 7(a) Loan

  • Use as initial funding for a startup or to expand an existing business
  • Only small for-profit businesses qualify
  • Loans up to $5 million
  • Get terms up to 7 to 10 years for working capital; up to 10 years for equipment; and up to 25 years on fixed assets, including real estate
  • Approved for commercial real estate, construction or renovation, purchase of machinery or equipment, purchase of furniture or fixtures, working capital, inventory, line of credit, refinancing existing debt, and purchasing eligible businesses
  • Ineligible businesses include non-profits, foreign-controlled businesses, private clubs that limit membership, businesses that promote a particular religion, individuals who are incarcerated or on probation/parole, individuals who have failed to repay federally assisted funding, and businesses engaged in any of the following: lending or loan packaging, speculation, passive investment, pyramid sales and gambling

SBA 504 Loan

  • Must be used for fixed asset projects such as purchasing land and improvements, including existing buildings, grading, street improvements, utilities, parking lots and landscaping; construction of new facilities.
  • Can also be used for modernizing, renovating or converting existing facilities; or purchasing long-term machinery and equipment.
  • Cannot be used for working capital or inventory, consolidating or repaying debt, or refinancing.

Download our Small Business Lending Flyer

Specialty Lending Options

Can I transfer funds from my checking or savings accounts to make a loan payment?


Personal online banking customers can transfer funds from checking or savings accounts to make a loan payment as long as the accounts are viewable through online banking. [How to add/change the accounts you view through online banking]

Business online banking customers can transfer funds to make a loan payment by selecting 'Transfer List' from the Management Tools menu, then selecting 'Unrestricted Transfer'. 

IMPORTANT: Payments made before 6pm each business day will be applied same day.

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