What is an SBA Loan?

As part of our commitment to support the growth and expansion of small businesses, State Bank of Southern Utah is proud to offer SBA Loans. Backed by the Small Business Administration, these loans offer flexible terms and lower down payments, making it easier for you to start, expand, or strengthen your business. We’ll walk with you through every step, offering guidance, local decision-making, and a team that’s truly invested in your success.

Types of SBA Loans

• SBA 7A & SBA Express Loans
  These are the most common types of SBA loans and a great fit for businesses looking to finance a business acquisition, purchase real estate or equipment, refinance debt, access working capital, or launch a startup. Backed by the SBA, these loans offer more flexibility in the lending process and help keep your monthly payments manageable with longer repayment terms and competitive interest rates.

• SBA 504 Loans
  The SBA 504 program offers long-term financing for major fixed assets, such as purchasing, building, or improving owner-occupied real estate or heavy equipment. With low down payments, fixed interest rates, and extended repayment terms, SBA 504 loans are an excellent choice for businesses looking to invest in their future.

Other Business Loans:  Agriculture Loans  |  Commercial Construction  |  Business Real Estate  |  Equipment & Vehicle  |  Business Term Loans  |  Business Line of Credit