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SBA Loans

Personalized Service, Expedited Loan Processing

As a National Preferred Lender for SBA, NCB has the experience and reliability to identify and customize the best finance package to fit your business needs and streamline the process.

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7(a) General Loan Program

  • Loan Amount: Up to $5,000,000
  • Term* loans up to 25 years
  • Financing for leasehold improvements, real estate purchases, business acquisitions, working capital or refinancing debt
  • Limited loan covenants
  • No balloon payments

*Blended term for loans with multiple uses, based on use of loan proceeds.

504 Loan Program

  • Loan Amount: Up to $5,000,000
  • Term loans of 10 years with 25 year amortization
  • Financing for fixed assets including real estate, improvements, construction, renovation and long term equipment purchases
  • Low equity injections - usually 10% to 20% down payment
  • Permissible debt refinancing when involves business expansion

Equity Injection Range

  • New Operator
    Start Up Leasehold 15-20%
    Start Up Real Estate 10-20%
  • Current Operator
    Expansion Leasehold 10%
    Expansion Real Estate 10%

Minimum Criteria

  • Direct industry or related experience
  • FICO>680
  • No bankruptcy in the past 7 years
  • No unsatisfied judgements
  • Personal Guarantee, owners with >20% ownership
  • Must meet equity contribution guidelines

We Serve the Basic Ingredients of Sustainable Communities

  • Alaska & Native

    Banking Solutions for Alaska Business and Native Corporations

  • Co-op Housing & HOA

    Banking Solutions for Housing Communities and Property Management Companies

  • Credit Unions

    Cooperative solutions for Credit Unions, Leagues and CUSOs

  • Energy

    Providing innovative renewable energy financing programs

  • Food

    Banking solutions for food co-ops and independent grocery retailers

  • Health Care

    Banking solutions for Senior Living, Aging services and Health Care

  • Non-Profit

    Banking solutions for non-profits and socially responsible organizations

  • Small Business

    Banking solutions for independent retailers, purchasing co-ops and worker-owned co-ops.

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Have questions about our SBA loan programs?

One of our banking specialists can guide you through the process.

Speak with a business banking specialist