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    SBA Lending

    SBA Lending

    SBA loans for your small business.

    Giving your business a name. Opening the door on the first day. Welcoming in your very first customer.

    Every part of opening a small business is personal—and the financing should be no different. With United, you can get the financing that makes the most sense for your business, with a lending partner who cares deeply about its success.
     


    Dental SBA Lending

    Show us your biggest and brightest smile. You’re going to need it when you hear about our dedicated lending options for your dental business.
    Dental SBA Lending

    Medical SBA Lending

    A lot of hard work goes into medical, but your loan doesn’t need to hold up the line. Keep things moving by joining the community.
    Medical SBA Lending

    Pharmacy SBA Lending

    You're at the heart of your community, and we invite you to join ours to gain access to the lending assistance your pharmacy needs.
    Pharmacy SBA Lending

    Veterinary SBA Lending

    Whether you specialize in pocket pets, exotics or human’s best friend, rest assured, we specialize in finding lending solutions for you. We make the lending process simple and speedy so that you can get back to your patients faster.
    Veterinary SBA Lending

    Franchise SBA Lending

    The hardest part about starting or growing your franchise is acquiring the assets to take the next step. Let’s take it together.
    Franchise SBA Lending

    504 SBA Lending

    Have a larger, more established business? Access affordable long-term capital and up to 90% fixed interest rate financing with our SBA 504 programs.
    504 SBA Lending

    General SBA Lending

    Don't see your industry listed? No problem! We're happy to help any type of business with the lending process. 
    General SBA Lending

    Frequently Asked Questions for SBA Lending
    The U.S. Small Business Administration (SBA) is a federal agency that assists in financing new business and helps existing businesses grow and flourish.  An SBA loan is a small business loan provided by a financial institution and guaranteed by the SBA.  The SBA guarantee gives the financial institution more incentive to loan money to small businesses that might not normally qualify for a traditional commercial loan.
     
    PLP (Preferred Lender Program) status is the most desirable accreditation a lender can receive.  United Community is a SBA Preferred Lender which means we can offer the full range of SBA loan products, and have the authority to make final credit decisions on behalf of the SBA.  In contrast, non-preferred lenders must submit a full application to the SBA for approval, which makes the process longer.
    The advantages of obtaining a SBA loan from a SBA Preferred Lender include faster loan processing times and improved chances of approval.  Preferred Lenders have a proven track record of getting small business owners the funds they need in a timely manner.
    Through the SBA 7(a) and 504 loan programs, small businesses can obtain a loan for a variety of needs including:
    1. Ground-up construction;
    2. Purchase of real estate and/or leasehold improvements;
    3. Purchase inventory, equipment, furniture and fixtures;
    4. Refinance debt
    5. Start-up a business
    6. Acquire another business
    7. Finance a franchise
    The entire SBA loan process generally takes 60 to 90 days due to the high volume of paperwork and documentation that you need to provide.
    General documents required, but not limited to, for SBA loans are:
    1. 3-years Personal and Business Tax Returns in pdf format
    2. Formulated Business Plan
    3. Personal Financial Statement
    4. Driver’s License
    5. Bank Statements
    6. Business License and Entity Documentation
    7. Current Balance Sheet, Profit & Loss and Debt Schedules
    An equity injection is an investment of funds borrowers contribute into their business before being granted a government guaranteed loan. It essentially functions as a down payment and is typically 10% for a SBA loan. Types of equity injection include:
    1. Cash and personal assets
    2. Investments or gifts
    3. Business assets
    4. Seller or third-party debt on full standby
    5. Combining two types of Seller debt for equity
    To qualify for a SBA loan, some basic requirements are:
    • Operate for profit
    • Be a U.S. Citizen or permanent legal resident
    • Show profitable projections for start-up or expansion of a business
    • Demonstrate reasonable equity to invest
    For additional information, go to: https://www.sba.gov/funding-programs/loans/7a-loans#id-am-i-eligible-
     
    Contact one of our specialized SBA Lenders at https://www.ucbi.com/business-banking/industry-specialized/sba-lending or call 1-888-987-5884.
     

    Connect with the right SBA lending partner for your small business. 
     

    Call 1-888-987-5884 to get started.

    Connect with a SBA lending specialist to get started.

    Our commitment to you and your business

    We know you have many options when it comes to business financial partners. When you work with United, our diverse team of industry expert bankers will work to understand your business's unique needs and provide a tailored solution for your business financing needs, all while providing the exceptional customer service you deserve. From competitive rates and flexible terms to local decisionmaking, and deep industry experience, we are committed to providing the support and resources you need to drive growth and seize opportunity when it comes. Discover why businesses trust us as their preferred lending partner.

    • Competitive Rates: We offer competitive interest rates, ensuring affordability and helping you maximize your return on investment. Contact us for more information on rates and terms. 
    • Flexible Terms: We provide flexible repayment terms that suit your business's cash flow needs. Contact us for more information on rates and terms. 
    • Quick and Streamlined Process: Our dedicated team understands the importance of a streamlined lending process. We will guide you through the application process and provide timely support every step of the way.
    • Customized Financing Solutions: Each business has unique financing requirements. Our bankers specialize in providing individualized financing solutions that meet your specific needs, ensuring you have the resources to support your operations and continued growth.
    • Best-in-class Service: When you pair the power of United's business banking expertise and resources with our exceptional customer service, you gain a banking partner that can help you drive growth at every step in your business's journey. 
    Equal Housing Lender
    Member FDIC
    • © 2023 United Community Bank
    • NMLS ID # 421841
    • ABA Routing # 061112843
    • 2 West Washington Street, Suite 700, Greenville, SC 29601
    • 1-800-822-2651
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